Hairstylist Insurance

Tailored Protection For Your Hairstylist Business

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Hairstylist Insurance That’s Made Just For You

As an expert hairstylist, it’s safe to say you spend a lot of your time transforming your customers. Whether you rent a chair at a salon or travel around to see your customers, being a hairstylist is extremely rewarding - but it also means you’re exposed to risks if an unhappy client decides to sue for an error you made.

That’s why here at Simply Business, we specialize in affordable insurance that’s personalized for hairstylists just like you. So you can focus on doing what you do best - being a rockstar hairstylist!

What Insurance Do Hairstylists Need?

Hairstylists usually need insurance coverage tailored to their profession, as they spend a lot of time working with customers (and sometimes at a variety of other locations). Let Simply Business build a hairstylist insurance policy that’s personalized just for you.

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Professional Liability Insurance for Hairstylists

Professional liability insurance - which can also be called errors and omissions (E&O) insurance - is a type of policy that protects you in case a customer accuses you of negligence resulting from your hairdressing services. This is perhaps one of the most important policies for hairstylists like yourself, simply because so much of what you do is based on your guidance, advice, and skills. For example, if a client trusts that the hair dye you’re using is safe, but it actually causes her hair to fall out, you could potentially be liable.

Professional liability insurance usually covers:

  • Unintentional negligence
  • Legal defense costs
  • Libel and/or slander
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Physical injury
  • Property damage
  • False advertising
  • And more

General Liability Insurance for Hairstylists

General liability insurance - which we sometimes refer to as commercial general liability (CGL) insurance - is an essential policy to get if you perform your services in someone else’s home. This coverage protects your business from third-party claims of bodily injury or damage to a client’s property. For example, if you accidentally got dye on a client’s carpet and damaged it, your policy may pay for resulting damages. It might even pay for legal fees if your client decides to sue you!

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional liability
  • Workers compensation
  • And more

Learn more about General Liability Insurance.

Workers Compensation Insurance for Hairstylists

If you have an employee who works with you - even on a part-time basis - you may need workers compensation insurance. This policy covers medical bills, lost wages, and any legal costs that may occur if your employee gets hurt or sick at work.

Most states require any business with employees to have workers compensation insurance, so it’s worth checking to see if you should add it to your existing coverage.

Learn more about workers compensation insurance.

How Much Does Insurance for Hairstylists Cost?

Want to get a glimpse at how much you might need to pay for hairstylist insurance? While the policy price varies from stylist to stylist, your insurance premium will usually be determined by:

  • If you have employees (full-time and/or part-time)
  • Where you’re located
  • The hairdressing services you provide
  • Payroll
  • Revenue
  • And more

Want to see how much your hairstylist insurance policy may cost? Just click here to answer a couple of questions about your business.