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Beauty Salon Business Insurance

As a beauty salon owner, you have a busy and stressful workplace. You have to see to the needs of your clients and employees, keep the shop clean, stock and replace supplies, and maintain your building space. It is not an easy job and if something goes wrong, you need to know that you have the appropriate business insurance.

General Liability Insurance

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Beauty salons are often busy places with employees checking in and out, appointments with regular customers, and walk-in clients coming and going. With all this bustling about, chances are good that someone could be hurt, a customer will be unsatisfied, or an employee will make a costly mistake. To protect yourself against these occurrences, you should have good general liability insurance.

General Liability Insurance Includes:

Business Owners Policy

A business owners policy is another option you have when selecting insurance for your beauty salon. Also known as BOP, it includes general liability insurance as well as other add-ons. You can pick and choose protection that is necessary for your business. This may include:

Business Auto Insurance

A business auto insurance policy may be something to consider for your salon. This type of insurance covers you in the case of auto accidents that occur during the course of business. If you send your employees out to do hair and make up for a wedding party, for example, you will want to consider this policy. If they get in an accident, business auto insurance will pay for any medical bills or repair bills.


If you have employees, you are required to provide workers compensation insurance. If the employees of your beauty salon get hurt on the job, this insurance pays for their medical bills and recovery time.

Professional Liability Insurance

Professional Liability also knows as errors and omissions insurance, protects the financial aspects of your beauty salon. A client suffering from a financial loss can bring a law suit against you, without professional liability coverage you will have no coverage in a suit.

Umbrella INsurance

If you really like to be on the safe side, you can get a commercial umbrella policy. This will act as additional business insurance after your standard policies have reached their maximum payouts. It can be useful when you need to make large claims.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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