Mobile hairdressing insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
Coverage limits: $100K to $3M†
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 Mobile Hairdressing Insurance?
You’ve learned bangs and balayage, but your time as a hairdresser has never brought you to learn about insurance. Simply Business is an online insurance platform that makes it easy for business owners like you to find personalized, affordable coverage options.
Below are some of the most common types of insurance policies that mobile hairdressers carry to stay protected.
What Type of Mobile Hairdresser Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/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 Does Mobile Hairdressing Insurance Cover?
If you’re looking for a crash course in the types of policies available to you, and what they can cover, read on!
General Liability Insurance
Let’s start our exploration into mobile hair and beauty insurance with the most popular type of policy. General liability insurance typically covers bodily injury, property damage, and third-party accidents. In this case, “third party” refers to clients or vendors.
The term “general” may sound unassuming, but the accidents this insurance can cover are no joke. The average claim for property damage or accidents in small businesses is $30,000, which is enough to potentially stop a small business in its tracks.
What kind of damages or accidents could you encounter as a mobile hairdresser? Let’s explore a scenario where you accidentally left a pair of scissors at a client’s home. You don’t realize you’ve left them behind until later in the day, but by then, your client’s child got hold of them and got injured.
As a result of your unknowingly leaving the scissors behind, your client’s child is injured, and the parents sue you for negligence. If you were an uninsured hairdresser in this scenario, you’d have to pay for those medical bills and legal fees out of your own pocket. However, a general liability insurance plan could help offset those costs, up to your policy limits.
The simple act of getting insured before you need it can mean the difference between an inconvenience and bankruptcy.
So what does general liability insurance usually cover? Here’s a recap:
- Third-party property damage (e.g., clients or vendors)
- Bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance usually does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Professional Liability Insurance
Have you heard of professional liability (PL) insurance for surgeons and lawyers? Did you know that hairdressers can use it, too? That’s right — if you act negligently, you could be sued. PL insurance can be there for you and your business if your client claims that you or your business was negligent.
Additionally, if you have people working for you, professional liability insurance can cover your employees.
How can a mobile hairdresser act negligently? Imagine you’re cutting a client’s hair in their home during peak allergy season. They have their windows open, and you sneeze suddenly. Unfortunately, you cutoff a piece of your client’s ear, which requires a trip to the hospital.
On top of feeling terrible for your mistake, you could have just gotten yourself into financial trouble. Without professional liability insurance, you’d have to pay for damages and legal fees on your own. However, if you’d taken the step to get insured, your PL policy could likely help offset those costs.
Let’s review. Here’s what professional liability insurance can cover:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
Keep in mind that professional liability insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
Workers’ Compensation Insurance
A mobile hair and beauty company is already cutting-edge — now imagine if you had an entire team of stylists? Your impact would be multiplied, but some new considerations pop up. Mobile hairdressers who have employees may need to carry workers compensation insurance.
You can check your state laws here, or simply complete the free quote process to see what applies to you.
The average work injury cost is $41,000, which means having coverage with your policy on a single accident makes the monthly premiums worthwhile. Workers comp plans protect you and your employees if they’re sick or injured on the job.
In general, workers’ compensation insurance can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Mobile Hairdressing Insurance?
There’s no denying that your work has a positive impact on your clients. A new style, refresh, or chat with a friend can turn someone’s week around. Even lighthearted businesses can have accidents, though.
Rather than hiding from the responsibilities that come with owning a business, you’re facing them head-on. Understanding the basics of business insurance and getting customized coverage for your business are proactive ways to protect what you’ve built.
Unfortunately, 43% of small business owners polled reported being threatened with or involved in a civil lawsuit. Not only can these incidents be stressful, they’re also expensive.
Take a look at the most common incidents that can occur, including how much they cost on average:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
Even the most cautious hairdresser can find themselves in a hairy situation. A client could bring a negligence claim against you, even if you disagree with the charge. At the very least, you may incur a sizable legal bill defending your case.
Even if you take advantage of your business insurance just once, the protection is worthwhile, considering that average claims can be in the tens of thousands.
Mobile hairdresser insurance is there for you on the good days, too. Having a certificate of insurance (COI) may help you earn the trust of potential clients and employees.
Checking out insurance is simpler than you may think. Simply answer a few question about your business, and you can compare free quotes from the country’s top insurers.
What Does Mobile Hairdresser Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Mobile Hairdresser Insurance Coverage Questions
Required insurance policies for mobile hairdressers vary by state. For example, workers compensation is usually required if you have employees. On the other hand, your state may not require you to carry business insurance, though it’s a good idea to have it.
Typically, yes. Small businesses usually can deduct the insurance premiums from their income taxes, but we suggest consulting an accountant if you have questions about your specific business.
Your ideal level of coverage depends on the details of your business. Luckily, you don’t need to calculate your policy by hand. Our quote form is designed to recommend the right insurance plans for you, based on your answers. Your policies usually depend on:
- The size of your business
- Your company’s location
- Your annual revenue and payroll
- And more
If you have more questions, our licensed insurance agents will be happy to assist you!
It’s free to compare custom quotes, so you’ll have an opportunity to assess your options thoroughly. When you’re ready to get your custom quote, you can speed up the process by having the following information at hand:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Each state sets its business insurance laws, so your location factors into your policy. Fortunately, you don’t necessarily have to research any government websites to get covered. Our quote process narrows down insurance policies based on the details you provide about your business.
The types of policies you choose will determine the scenarios you’re covered in. For example, a policy with general liability, professional liability, and workers comp can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
If you work alone, you won’t need workers comp insurance.
We aren’t able to give you an exact answer here, as each policy is customized to your business. Generally, your premiums are based on:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your insurance may cost? Just click here and get free quotes from some of the top insurers in the country.
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.
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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.
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Owner of Room to Breathe Professional Organizing
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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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We’ve Got More Helpful Information
*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.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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