Hair salon insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$34
/month*
Helps cover claims against your business for property damage or injuries to others, damage to your equipment or inventory, and lost income if your business cannot operate because of a covered claim.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$34
/month*
Helps cover claims against your business for property damage or injuries to others, damage to your equipment or inventory, and lost income if your business cannot operate because of a covered claim.
What’s included:
Business Owner’s Policy
Coverage limits: up to $1M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Hair Salon Insurance?
Running a successful hair salon is a lot like achieving the perfectly-styled hairdo–it takes time, effort, and several different processes to go well in order for everything to come together. We get that.
Below are some of the most common types of insurance policies that hair salons carry to stay protected.
What Type of Hair Salon Insurance Do I Need?
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$34
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
From
$25.83
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What kind of insurance do I need for my hair salon business?
What type of coverage your policy includes depends on how you run your hair salon business. Below are a few policies for hairdressers.
Commercial General Liability Insurance
With commercial general liability insurance (GL), hair salon owners are usually covered for costs that result from situations like third-party accidents, property damage, and bodily injury. Hairdresser liability insurance can also insure some of your equipment if it’s damaged or stolen while working.
Even if you’re experienced, accidents can still happen. Imagine that a customer comes into the salon and just a few seconds after entering, trips over the cord of a hair dryer and injures her leg.
General liability insurance could help cover the cost of the medical treatment for your customer, and any legal fees that may be associated with the claim (up to your policy limit), should you need to hire legal assistance. Without hairdressing insurance, you may have to cover those costs out-of-pocket, which could seriously impact your business’s bottom line.
So what could a general liability policy cover? Here’s a quick look:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Automobiles while in business use
- Expected or intentional injury or damage
- And more
Professional Liability Insurance
Professional Liability Insurance (PL) comes in handy when protecting your business against any claims of negligence. And just like we don’t intend to make mistakes, we also don’t mean for our customers to suffer due to our negligence–but it does happen.
Imagine that you’re cutting a client’s hair and so far, the cut is looking great. Then, your client shifts her head to itch her neck just at the same time as you clip a piece of hair. Oh! You accidentally snipped part of her ear with your shears. The damage doesn’t seem to be too bad, but she needs to get a couple stitches (not to mention coming back later for you to finish the haircut).
Professional liability insurance would cover the cost of her medical bills to heal her ear.
Workers Compensation Insurance
Maybe you work on your own, but if you have employees, regardless of whether they’re full-time, part-time, or temporary (e.g. helping you out for an event), most states will require you to be covered by workers compensation insurance. Also known as workers comp, this type of insurance helps to protect you financially if any of your employees get sick or injured while working.
Whether you’re working in a salon space or working privately at different locations depending on the client, it’s responsible to have workers comp insurance to protect your employees from unknown occurrences.
Workers compensation insurance for hair salon owners can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
What are the benefits of hair salon business insurance?
Running a hair salon business takes a lot of energy. Aside from interacting with customers and keeping them happy, you have to communicate with several vendors and consistently keep up-to-date on the latest products to keep the clientele satisfied. And all of the time you spend, amounts to money for your business.
All of the money you spend on products, tools, and with customers still may not compare to the cost of lawsuits over injuries, accidents, and other incidents that may occur. Without coverage, the cost of dealing with unpredictable occurrences that–let’s face it–do happen, could be crushing.
Here’s an example of the costs of the most common small business claims:
- Reputational harm: $50,000
- Fire: $35,000
- Product liability: $35,000
- Customer Injury or Damage: $30,000
- Customer Slip and Fall: $20,00:
If you’re lucky enough not to have an accident or make a mistake, having insurance could still help you build your business. There are several things you could choose to do that could help you:
- Renting a room or space for an event
- Convincing other hair stylists to work with you
- Earning clients’ confidence
- Opening another location
- And more!
When you get insurance through Simply Business, we provide a certificate of insurance (COI) you can utilize immediately as proof to your clients and employees that you’re protected.
What Does Hair Salon Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Hair Salon Insurance Coverage Questions
Depending on where you live, you may be required to have business to operate your hair salon and associated services. If you have employees, your state may or may not require you to also have workers compensation insurance to protect employees from getting injured or sick while working for you.
When filing your taxes, you may be able to deduct your business insurance premiums. If you have more questions about what other expenses may be tax-deductible, we recommend consulting with a tax professional or accountant on your specific business needs.
How much coverage you need for your hair salon business insurance policy will depend on how you run your business, how many employees you have (if any), and a variety of other factors, such as:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
When you fill out our quote form, Simply Business will advise the right amount of coverage for your business in your state.
Answering the questions when requesting a quote are pretty straight forward, but it would be handy to have the following on hand before you begin:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It may! Our quote form process will help you understand if your state does or does not require your hair salon to have business insurance. If ever you have any doubts or questions, you can ask our licensed insurance agents for their recommendations.
A comprehensive insurance policy for your hair salon that covers both general liability and workers compensation insurance can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
The cost of your hair salon’s insurance depends on several different things, like whether or not you have employees, and the details of the work you’re doing. In general, you can expect the following to impact the overall cost of your policy:
- Your revenue
- Your payroll
- Your business location
- The type of services you provide
- And more
If you’re curious to see what hair salon insurance may cost you, click here to fill out our quote form. In less than 10 minutes, you can see and compare quotes and if the price is right, get covered today!
If you offer several services at your hair salon, you wouldn’t be the first! It’s completely understandable to want to offer other services (like skincare, makeup, and nail care) to your clients. If that’s the case, feel free to ask one of our licensed insurance agents and they can help you sort out a policy that covers all you do.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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