Hair Stylist & Salon Insurance

Insurance for Hair Salon Owners

Whether you rent or own the physical location of a salon, you are usually required to have Commerical General Liability Insurance and Commercial Property Insurance. It’s important to note that your policy limit typically applies to all employees under your policy rather than individual employees.  If you don’t own a hair salon and you’re a self-employed hair stylist, there’s a high probability that the salon owner’s insurance does not cover you.  Therefore, if you rent a chair, sub-contract, or do any freelance on the side in the salon, you will likely need your own insurance policy.

As hair stylists often provide professional hair advice, Professional Liability Insurance could protect your business from claims alleging negligence or misconduct. Suppose your client wanted bleach blonde hair, but their hair started to break after you used hydrogen peroxide. The client could sue if you provided no warning of the potential outcome. In this case, Professional Liability Insurance could cover legal fees and damages, including monetary judgments.

If any of the products you use or sell are defective, Product Liability Insurance may cover injuries or property damage caused by the product. Suppose you dye a client’s hair and they have an unexpected allergic reaction to it; they could sue for bodily injury. Product Liability Insurance could cover the medical costs and costs of a lawsuit.

Lastly, if you use a booking system to store clients’ data (e.g., financial, medical), it’s your legal obligation to protect this information. Cyber Insurance covers costs like legal fees associated with electronic incidents (e.g., a cyber hack) involving your technology systems and data.

Suggested Coverage:

• Commercial General Liability Insurance
• Commercial Property Insurance
• Business Interruption Insurance
• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance

Mobile Hair Stylists

Working as a mobile hair stylist allows you to offer treatments at locations where your clients are (generally at their homes). While this is convenient for your clients, the variety of locations can pose a unique risk.

Wherever you treat your clients, Commercial General Liability Insurance could cover third-party injuries that occur during treatment (e.g., a client trips over a hair dryer cord left on the floor). It can also provide coverage for potential property damage at a client’s location (e.g., you accidentally drop hair dye on a client’s vinyl flooring, staining it).

While you don’t work from one location, you have tools that are important to do your job. Commercial Property Insurance could offer coverage if your contents are lost or damaged due to an insured peril (e.g. a fire or theft). Suppose you’re in a car accident while driving to a client’s home causing your beauty equipment to be destroyed. Commercial Property Insurance could provide the cost to replace lost contents.

Whether you distribute, use, or sell products it’s important to have Product Liability Insurance. Product Liability Insurance could provide coverage if a client claims your hair products caused property damage or bodily injury (e.g., an allergic reaction to the shampoo you used).

If you provide professional service or advice that results in an injury, Professional Liability Insurance may provide coverage for any negligence claims filed against you. Suppose your client wants a haircut that involves you using a new shaver for the first time. You end up cutting their neck due to misuse, and they sue for negligence and bodily injury; Professional Liability Insurance could provide coverage for any medical fees and lawsuits.

If you use a booking system to store your clients’ data (e.g., financial, medical), it’s your legal obligation to protect this information. Cyber Insurance covers costs like legal fees associated with electronic incidents (e.g., a cyber hack) involving your technology systems and data.

Suggested Coverage:

• Commercial General Liability Insurance
• Commercial Property Insurance
• Business Interruption Insurance
• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance