Damage to someone else’s property

While sweeping up after a cut, you accidentally knock a client’s phone off the counter, cracking the screen. A general liability policy could help cover those types of third-party accidents.

Honest mistakes

You deliver what you thought was a perfect taper, but the client claims the cut is uneven and demands a refund plus compensation. A professional liability policy could help cover the cost of resolving the dispute.

Protection for your business property

It’s a busy Saturday afternoon when a pipe bursts in the ceiling, soaking styling chairs, clippers, and dryers. A Business Owners Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for cleanup, equipment replacement, and lost income — so you can get back to serving clients quickly.

Many barbers choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more — a great option if you’re established or planning to grow.

If you’re just starting out, you could add equipment and business property insurance, also known as business personal property insurance, to a general liability policy to help replace or repair equipment and inventory that you own or rent.

Care for sick or injured employees

One of your barbers slips on a wet floor near the sink and cuts their hand badly enough to need stitches. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover. 

Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp, since many health insurance policies may not cover work-related injuries.