Hair Salon Insurance

Hair salons (or beauty salons) need commercial insurance to protect them from loss. There are a number of risks in owning a hair salon that are unique to the industry.  Most insurance carriers we work with insure hair salons, spas, barber shops, and others.

Property insurance not only covers the building and its contents, but it also provides coverage for loss of income should the building become uninhabitable, experience mechanical failure, or other potential issues.  Commercial insurance typically covers theft by employees from the cash register or from a bookkeeper pocketing revenues.

Liability insurance covers slip and falls.  You know your business – potential water on the floor from shampoos all day and hair on the floor can be slippery.  You need to be protected if a customer or employees falls and insures himself in your salon.

Hair salons also need professional liability insurance.  Why?  Professional liability covers any damages incurred from someone making a claim due to the service you provided.  For example, if you cut someone’s hair two inches shorter when it was supposed to be one inch or burned a customer’s scalp by improperly mixing chemicals.  Professional liability would cover you from these types of risks.

Workers compensation insurance covers injuries to the employees while in the course of performing their duties.  If an employee gets injured on the job like cutting themselves with their scissors or burning themselves on a chemical, your business will be covered.

The cost of insurance will depend on a variety of factors including how much coverage you want, whether your business is in New Jersey or another state, number of employees, credit history, and more.

Rest assured, insureYourCompany.com can get you the most competitive rates and provides a higher level of customer service than the average insurance broker.

Call us today at 888-242-4675 for your free hair salon insurance quote.