Beauty Salon Insurance | Liability Insurance For Beauticians

Beauty Salon General Liability Insurance

A beauty salon general liability insurance policy helps protect your business from claims like slip-and-fall accidents or allergic reactions to products. It covers legal fees, medical costs, and judgments for third-party claims up to the policy limits. Plus, it can take care of the defense costs so you can focus on your salon instead of legal headaches.

General Liability

BOP

Professional Liability

Workers Compensation

Is Beauty Salon General Liability Insurance Required

The short answer? It depends. Most states don’t mandate general liability insurance by law, but landlords or licensing boards often require it. States like California and New York may have additional requirements, especially if your salon employs staff or rents space. Double-check with local authorities to ensure you’re compliant—after all, it’s better safe than sorry.

What’s Covered Under Beauty Salon General Liability Insurance?

Here’s what beauty salon liability insurance typically covers:

A client slips on a wet floor and breaks an ankle.
A customer has a severe allergic reaction to a product you applied.
A child gets injured while waiting for their parent.
It’s designed to address common risks, so your business stays protected even when life throws curveballs.

What Does Beauty Salon Insurance Not Cover?

Not everything is covered under this policy. For instance:

Damage to Your Property: If your salon equipment gets stolen, liability insurance won’t cover it. You’d need a commercial property policy for that.
Employee Injuries: If a staff member burns themselves while styling, you’ll need workers' comp insurance to cover their medical bills.

Other Insurance Beauty Salons May Need

Beauty salons usually carry several other types of insurance to cover all their bases, such as:

Commercial Auto Insurance: If you offer mobile services or transport products.
Surety Bond: Required for some state licenses.
Workers' Compensation: Covers injuries to employees.
Excess Liability Insurance: Provides extra coverage beyond your policy limits.
Professional Liability: Protects against claims of errors or negligence in your services, like a bad haircut or chemical burn

USA Insurance: Your Beauty Salon’s Partner in Protection

Protect your beauty salon with USA Insurance, located in Burbank, CA. With almost 20 years of experience, we specialize in helping small businesses like salons stay covered. Licensed in all 50 states, our team provides personalized service and expert advice. Whether you need liability insurance or professional coverage, we’ve got your back. With a 99% customer satisfaction rate, we’re here to help you focus on running your salon while we handle the rest.