Salon Insurance Cost
Beauty isn’t cheap, but your insurance can be affordable.
Salon insurance shouldn’t cost a fortune. There’s an easy way to save time and money, all while giving the technicians, stylists, and contractors you work with the liability protection they deserve.
How Much Does Salon Insurance Cost?
Salon insurance costs as low as $349 for a whole year, or $31.08 per month, when you get insured through Beauty & Bodywork Insurance (BBI). The exact price you pay can vary depending on your specific business needs. Looking for an individual policy? Check out our coverage details page.
Other insurers often charge per employee. BBI doesn’t. Instead we calculate your cost by the number of stations you have, services offered, and any added coverages.
Beauty Salon Insurance Cost
With one flat rate, beauty salon insurance costs start at $349 per year, or $31.08 per month.
Hair Salon Insurance Cost
With one flat rate, hair salon insurance costs start at $349 per year, or $31.08 per month.
Nail Salon Insurance Cost
With one flat rate, nail salon insurance costs start at $349 per year, or $31.08 per month.
Note: The BBI salon policy can cover 250+ methods performed in one location, such as beauty, hair, nail, and other services.
Your insurance premium increases based on the number of stations you need to cover. The number of stations, however, is not required to match the number of employees you have. For example, you could have 12 total technicians working in 8 stations, tables, or rooms.
Station-based premiums simplify the insurance paperwork process by allowing you to insure all your employees under one policy — even if the number of employees changes, or the technicians themselves change.
| Number of Stations | Premium |
| 2 Stations | $349 |
| 3 Stations | $449 |
| 4-5 Stations | $549 |
| 6-7 Stations | $575 |
| 8-9 Stations | $675 |
| 10 Stations | $775 |
Oh Snip! ✂️ Don’t Let Accidents Hold Your Business Back
Would you rather pay $349 for insurance, or $30,000 for a claim?
If something goes wrong in your salon, insurance is designed to help you cover the costs. A single claim may be anywhere from a thousand to hundreds of thousands of dollars in expenses. It can be stressful to come up with those funds, especially if it eats into your revenue or comes out of your own pocket.
Salon insurance is an easy way to ensure business continues as usual, even when an accident occurs. It’s a small price to pay for peace of mind when the alternative could be a lawsuit that drains your funds.
- $4,971
- $1,249
- $2,286
-$17,498
- $118,121
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
4 Factors That Impact Salon Insurance Costs
1. Number Of Stations
The number of stations you insure raises your salon insurance costs. More stations mean more risk for your business, so the increased coverage increases the premium cost.
2. Services Offered
The range of services you provide can affect the cost of insurance. Different treatments and services may require additional coverage, influencing the overall price.
3. Optional Coverages
4. Claims History
Sometimes your claims history can impact insurance costs. If you have a history of filing costly claims, you may see your premiums go up.
Some insurance companies also raise your rates based on location, the number of technicians you employ, or the yearly revenue of your business.
BBI does not raise your premium for these reasons, making our policy more affordable for most salon owners.
Is Insurance Required For Salon Owners?
Salon insurance requirements can vary — some businesses may be part of a franchise or chain that requires it. Sometimes, a building owner will require proof of insurance before leasing a space to you.
Most business owners recommend getting insurance, whether required or not, so you have peace of mind. You don’t want to get caught up in a lawsuit or stuck with a pricey medical bill and no way to pay it. Salon insurance provides invaluable benefits that save you money and protect your business in the long run.
Financial Protection:
In the event of accidents, property damage, or lawsuits, insurance acts as a safety net that helps you cover the cost of a claim. It prevents unexpected expenses from crippling your business and helps you stay afloat during challenging times.
Client Confidence:
Insurance coverage demonstrates your commitment to your clients’ well-being and provides them with peace of mind. It builds trust and loyalty by showing you take their safety seriously.
Meets Requirements:
Depending on your business or location, having salon insurance may be a requirement. By obtaining the necessary coverage, you ensure you’re operating within the bounds of a contract or local laws.
It’s not a matter of if an accident happens, it’s when. The best thing you can do for your business is to be prepared to handle it when it does.
Salon Insurance From BBI
Regardless of the type of salon you manage, we have one simple plan to help keep you and your technicians covered.
Here’s what our base policy includes:
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-ons & Endorsements
– Tools & Supplies Coverage (Inland Marine) (Starting at $16/year)
– Cyber Liability Coverage ($70)
– 1 Additional Insured ($15)
– Unlimited Additional Insureds ($30)
Some services and the use of certain tools are not covered by our policy, or require an endorsement to qualify. Read a full list of our exclusions to learn more
Optional Tools and Supplies Coverage
Tier 1:
Limits – Per Claim/Per Policy:
$2,000 / $2,000
Price:
$2/month
Deductible:
$100
Tier 2:
Limits – Per Claim/Per Policy:
$5,000/$10,000
Price:
$5.50/month
Deductible:
$200
Tier 3:
Limits – Per Claim/Per Policy:
$10,000/$20,000
Price:
$10.67/month
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
Deductible:
$500
See How BBI Stacks Up
There are several types of salon and spa insurance policies on the market. It’s important to compare different coverage options so you can feel confident you’re getting the right coverage for your business. See how BBI shapes up to the competition!
| BBI | NEXT | Hiscox | The Hartford | PPIB | |
| Price | $349 | $396 | $374 | $761 | $375 |
| General Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ✔️ $2M | ✔️ $2M |
| Professional Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ❌ | ✔️ $2M |
| Personal & Advertising Injury | ✅ | ❌ | ❌ | ✔️ | ❌ |
| Damage to Premises Rented | ✅ | ✔️ | ✔️ | ✔️ | ❌ |
| Cyber Liability | ✅ Optional | ❌ | ✔️ Optional | ✔️ Optional | ✔️ Optional |
| Tools & Supplies Coverage | ✅ Optional (multiple tiers available) | ❌ | ✔️ Optional | ✔️ Optional | ❌ |
| Commercial Auto | ❌ | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
| Workers Comp | ❌ | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. Verifying the details and obtaining personalized quotes from each provider for the most accurate and up-to-date pricing information is recommended.
See How BBI Stacks Up
There are several types of salon and spa insurance policies on the market. It’s important to compare different coverage options so you can feel confident you’re getting the right coverage for your business. See how BBI shapes up to the competition!
BBI
- General Liability:
✅ $3 million - Professional Liability:
✅ $3 million - Personal & Advertising Injury:
✅ - Damage to Premises Rented:
✅ - Cyber Liability:
✅ Optional - Tools & Supplies Coverage:
✅ Optional (multiple tiers available)
- Commercial Auto:
❌ - Workers’ Comp:
❌ - Price:
$349
NEXT
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
❌ - Tools & Supplies Coverage:
❌ - Commercial Auto:
✔️ - Workers’ Comp:
✔️ - Price:
$396
Hiscox
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$374
The Hartford
- General Liability:
✔️ $2 million - Professional Liability:
❌ - Personal & Advertising Injury:
✔️ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$761
PPIB
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
❌ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
❌ - Commercial Auto:
❌ - Workers’ Comp:
❌ - Price:
$375
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. It is recommended to verify the details and obtain personalized quotes from each provider for the most accurate and up-to-date pricing information.
Need more details? Check out our Salon Insurance Comparison. (Psst! BBI offers the best salon-level coverage at the lowest price.)
How Can I Lower the Cost of My Salon Insurance?
With coverage from BBI, you can feel confident you’re paying an affordable price for high-quality protection. To lower your business costs further:
Choose an Annual Plan
You can save nearly $24 by paying annually (versus monthly) for your BBI policy.
Be Selective
Add only the extra coverages that are right for your business.
Reduce Risks
Regularly assess your salon for safety hazards and take necessary measures to address them. A clean, well-maintained space can reduce the likelihood of accidents and potentially lower insurance costs.
Instantly Insure Your Salon Today
Customize your coverage online for as low as $349/year with Beauty & Bodywork Insurance.
Common Questions About Salon Liability Insurance
Why Do I Need Salon Liability Insurance?
You need salon insurance for claims your business may face. Even if you don’t perform a service yourself, you’re liable for accidents your employees may cause.
For example, if a customer suffers an allergic reaction to a chemical in a hair product, they may name you, the business, and the employee in a lawsuit. Salon insurance could help pay for the legal fees, medical bills, and court settlements.
You may also need salon owner insurance to fulfill franchise contract agreements.
What Does Salon Liability Insurance Usually Cover?
Salon liability insurance typically covers bodily injury, property damage, and other harm done to others. Some examples include:
- General injuries like slip-and-fall injuries
- Service injuries like allergic reactions, chemical burns, or accidental cuts
- Damage to client property like a leather jacket stained by spilled acetone
- Dissatisfied clients claiming you didn’t provide the service you promised
- Advertising mistakes, like unintentionally copying another salon’s brand logo