What does Barber Insurance cover?
A comprehensive Barber Insurance coverage will typically include the following:
- Professional Liability Insurance protects barbers from claims related to their professional activities alleging negligence, misconduct, or failure to deliver a service as promised.
- Commercial General Liability Insurance (CGL): is a business insurance policy that protects from common liability claims of operating a barber shop, such as third-party injuries and property damage.
- Contents Coverage offers financial protection to replace or repair the physical assets inside your barber shop, such as furnishing, equipment, and machinery.
Who needs Barber Insurance?
Professional barbers or shop owners should consider Barber Insurance to protect themselves from potential lawsuits against their business.
We’ve insured more than 1,000 hair professionals. Some of our clients include:
- Self-Employed Barbers
- Hair Dressers
- Salon owners
- Hair Cut Franchises
- Home-Based Hair Studios
Each profession is unique, and coverage requirements may vary. Speak with our brokers about customizing your policy to suit your specific business insurance needs.
How much does Barber Shop Insurance cost?
The average cost of Barber Shop Insurance starts around $500 for CGL and PLI policy with a $2M combined coverage limit.
However, the exact cost of your policy will vary depending on several factors, such as:
- Training and Experience
- Annual and Projected Revenue
- Services Provided
- Number of Employees
Common scenarios where Barber Insurance is useful:
Problem: After cutting a client’s hair, he becomes enraged by the level of service provided, which subsequently brought a lawsuit against you.
Outcome: Your Professional Liability Insurance policy would cover the $10,000 lawsuit due to unsatisfactory service rendered.
Problem: A client slips on a pile of hair, hitting their head on the barber chair. The client then sues you for medical bills resulting from the injuries.
Outcome: Your General Liability Insurance policy would cover the $5,000 cost to pay for the medical bills.
Problem: A fight broke out between two patrons in your barber shop, resulting in damage to some of the equipment you owned.
Outcome: Your Contents Coverage policy would cover the $16,000 cost to replace the damaged equipment.
Getting insured is quick and easy!
Complete our 5-minute online application form for a free Barber Insurance quote.
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