Insurance for Salons & Spas
Your salon and spa insurance needs may vary depending upon the types of services offered at your facility. At BBI, we cover over 250 modalities and provide insurance to thousands of beauty and bodywork professionals every year. Whether you hire employees or rent booth spaces to independent technicians, this policy is designed for you.
General and Professional Liability
General liability insurance protects you against third-party claims such as property damage or bodily injury, caused by your business operations. For example, if a customer were to trip and fall in your facility and injure themselves. Professional liability (Errors & Omissions) protects you against third-party injuries and damages caused by the professional services your business offers—such as chemical burns from hair bleach or candles in the room burning a customer’s handbag.
Franchisee Certificate Compliance
The franchisor agreement outlines specific coverages that need to be maintained by the franchisee, including additional insured status. The Certificate Compliance service assists in tracking franchisor requirements and identifying franchisee coverage deficiencies.
Tools and Supplies Coverage
Your tools and supplies help you give your customers the best experience. Also known as Inland Marine Insurance, we offer $2,000 in coverage to your tools and supplies in case their damaged or stolen. This optional coverage is $13 per year.
Note: You must either rent or lease your space, which has some coverage on our policy under damage to the rented premise. If they own the building, you do not qualify for our program.
General & professional liability limits
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-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
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.
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.
QUESTIONS ABOUT SALON AND SPA INSURANCE
Insurance for salons and spas is a general and professional liability plan designed to protect salon owners and their employees from third-party claims. It can help cover claims such as:
- Slips, trips, and falls
- Damage to customer property
- Theft or damage of your insured tools and supplies
- Customer injuries or illnesses
- Accidental misconduct with employees
- Unsatisfied customers
- Medical bills and legal fees
Salon owners need insurance to help them cover incidents involving their salon or spa, their employees, or a customer. Even if you didn’t perform a service yourself, you assume the liabilities and responsibilities of your employees.
Let’s say a customer suffers from an allergic reaction to a chemical used during a service. They needed medical attention, and found their clothes discolored from the chemical getting on them. This customer decides to sue, naming the business, the owner, and the employee in the lawsuit. Salon owner insurance could help you pay for the legal fees, the customer’s medical bills, and any court settlements.
You may also need salon owner insurance to fulfill contract agreements. If you are operating a franchise location, the company may require you to carry your own liability policy. If you have commercial property insurance or renter’s insurance, it will cover incidents that take place on a property; only general liability insurance can cover incidents caused by your business. Accidents caused by services offered by your business can only be covered by professional liability insurance.
BBI’s salon and spa insurance start at $349/year. This includes a $3 million general and professional liability aggregate limit, with a $2 million per occurrence limit. You can add additional coverage to your policy, such as Tools & Supplies Coverage (Inland Marine Insurance) for $13.
Yes; even if you don’t have employees, you still may need salon and spa insurance.
The difference between salon and spa owner insurance and technician insurance is the hiring of employees. If you have rooms or seats you rent out to other techs in your salon, or you have freelancers and contractors working in your space, you will need salon owner insurance.
If you don’t plan on having any employees, then our standard salon professional insurance for technicians starts at $96/year. You can learn more about this policy and buy coverage below.
Common types of insurance for salons include:
- General Liability Insurance: This can cover injuries and damages caused by your business operations.
- Professional Liability Insurance (E&O): This can cover injuries and damages caused by the services your business offers.
- Personal & Advertising Injury: This can cover monetary damages caused to a person’s reputation or business brand not caused by bodily injury or property damage.
- Tools & Supplies Coverage: This can cover the cost to repair or replace items you use for your business if they are damaged or stolen.
- Cyber Liability Insurance: This can cover incidents of cyber crimes brought upon your business, such as phishing scams or malware.
- Product Liability Insurance: This can cover any products you may decide to make and sell in your salon.
Get a policy today
BBI Is Your Industry Resource
We provide quality liability insurance for a variety of beauty and bodywork professionals, including massage therapists, nail techs, estheticians, and more. Our “A+ rated” coverage can insure you and your beauty business in all 50 states.
Responsive Customer Service
Our team of licensed insurance agents can help you tailor a salon and spa insurance plan to fit your needs. We analyze your risks, identify gaps in your coverage, and meet most contractual insurance requirements—all for one low price.
Fast & Secure Online Quote
Apply for a free quote online at any time (no purchase necessary). Our easy and convenient online system is designed for busy salon and spa owners who need to apply outside of normal business hours. Secure a policy in just minutes today!
BBI is one of the top insurance providers in the nation, working with trusted carriers to bring you some of the lowest annual premiums. Join the thousands of beauty and bodywork professionals who count on our low-cost coverage each year.