Insurance for Salons & Spas
Protect your beauty business and your clients.
Get comprehensive insurance coverage built for salons, spas, and beauty professionals—from service liability to property damage.
Licensed agents who understand beauty industry risks deliver fast quotes, instant certificates, and specialized coverage for all beauty services.
Why Beauty Business Insurance Matters
The protection you need to serve clients safely
Running a salon, spa, barbershop, or beauty business means working directly on clients' bodies and appearances—which creates unique liability risks that can lead to devastating lawsuits even when you do everything right. Whether you're a solo stylist renting a chair, own a full-service salon, operate a med spa, or run any other beauty or wellness business, the right insurance coverage protects you from professional liability claims, customer injuries, property damage, and the unexpected events that can shut down your business and drain your personal assets.
Beauty and wellness businesses face insurance challenges that most other industries never encounter. You need Professional Liability (also called Malpractice or E&O) to cover allegations of botched services, skin reactions, burns, cuts, and dissatisfaction with results—these claims can reach six figures even if you followed proper procedures. You also need General Liability for slip-and-falls and customer injuries unrelated to services, Commercial Property coverage for your space and equipment, Workers' Compensation if you have employees (stylists, estheticians, massage therapists), and often specialized coverage for things like equipment breakdown, product liability, and cyber liability if you store client payment information.
The key to getting comprehensive beauty business insurance at competitive rates is working with agents who understand the unique risks of salons, spas, and personal care businesses. Your coverage needs and costs vary dramatically depending on the services you offer—basic haircuts carry far less risk than chemical treatments, permanent makeup, laser services, or injectable treatments. Most beauty businesses benefit from a Business Owners Policy (BOP) that bundles General Liability, Property, and Business Interruption, then add Professional Liability on top. Landlords typically require $1M in General Liability, and Professional Liability limits of $1M/$2M are standard for most beauty professionals. Ready to protect your beauty business, meet lease and licensing requirements, and focus on making clients look and feel their best?
Essential coverage for salons & spas
The policies you need to protect your business, clients, and meet licensing requirements
Professional Liability
Critical coverage for service-related claims—chemical burns, allergic reactions, cuts, infections, botched services, and client dissatisfaction. Also called Malpractice or E&O.
General Liability
Covers customer slip-and-falls, injuries on premises, and property damage unrelated to your beauty services.
Property & Equipment
Protects your salon space, styling chairs, treatment tables, expensive equipment, inventory, and supplies from fire, theft, and damage.
Workers' Compensation
Required in most states if you have employees (stylists, estheticians, massage therapists). Pays medical bills and wages for work injuries.
Product Liability
Covers claims if beauty products you sell or use cause allergic reactions, skin damage, or injuries to clients.
Cyber Liability
Protects client data if you store credit cards or personal information. Critical if you experience a data breach or payment fraud.
Real risks beauty professionals face
See how the right insurance protects you when things go wrong with beauty services
Risk
A client has a severe allergic reaction to hair color, resulting in burns, scarring, and medical bills. They sue for malpractice.
Professional Liability
Covers legal defense, medical bills, and settlement—potentially saving you $50,000-$200,000+ even if you followed proper procedures.
Risk
A client has a severe allergic reaction to hair color, resulting in burns, scarring, and medical bills. They sue for malpractice.
Professional Liability
Covers legal defense, medical bills, and settlement—potentially saving you $50,000-$200,000+ even if you followed proper procedures.
Risk
A customer slips on water near your shampoo station, breaks their wrist, and sues for medical costs and lost wages.
General Liability
Pays medical expenses, legal defense, and settlement—protecting you from $20,000-$60,000+ in out-of-pocket costs.
Risk
A customer slips on water near your shampoo station, breaks their wrist, and sues for medical costs and lost wages.
General Liability
Pays medical expenses, legal defense, and settlement—protecting you from $20,000-$60,000+ in out-of-pocket costs.
Risk
Your salon is broken into overnight. Thieves steal $15,000 worth of styling equipment, products, and cash from the register.
Property Coverage
Reimburses you for stolen equipment and inventory so you can replace everything and get back to serving clients quickly.
Risk
Your salon is broken into overnight. Thieves steal $15,000 worth of styling equipment, products, and cash from the register.
Property Coverage
Reimburses you for stolen equipment and inventory so you can replace everything and get back to serving clients quickly.
Why beauty professionals choose 1-800-INSURANCE
- Agents who understand beauty industry risks and state licensing requirements
- Fast certificates for booth rental agreements and licensing boards
- Access to carriers specializing in salons, spas, and beauty professionals
- Support for med spas, laser services, and advanced beauty treatments
- Help with booth renter vs. employee coverage decisions
- 24/7 online policy access for certificates and proof of insurance
Ready to protect your beauty business?
Get quotes from specialized carriers, instant certificates for licensing, and coverage that protects your business.
Common questions from beauty professionals
What's the difference between Professional Liability and General Liability?+
General Liability covers customer injuries unrelated to your services—like slip-and-falls in your salon. Professional Liability (Malpractice/E&O) covers claims arising from your beauty services themselves—chemical burns, allergic reactions, cuts, infections, dissatisfaction with results, and service-related injuries. You need both types of coverage. GL won't protect you from service-related claims, which are the biggest risk beauty professionals face.
Do I need insurance if I rent a booth and don't have employees?+
Absolutely. As an independent contractor renting a booth, you need your own Professional Liability and General Liability coverage. The salon owner's policy won't cover you for your services or your liability. Many booth rental agreements require you to carry your own insurance and provide proof to the salon owner.
Does my insurance cover services like microblading, lashes, or permanent makeup?+
Standard beauty insurance may exclude or limit coverage for semi-permanent or permanent procedures like microblading, eyelash extensions, permanent makeup, tattooing, and body piercing. These services require specialized Professional Liability coverage. Your agent can find carriers that specifically cover these higher-risk treatments.
How much does salon and spa insurance cost?+
Costs vary by services offered, location, and revenue. A solo stylist with basic services might pay $500-$1,500 annually for Professional and General Liability. Full-service salons typically pay $1,500-$4,000 for a BOP plus Professional Liability. Med spas offering injectables or laser treatments can pay $3,000-$10,000+ annually. Workers' Comp adds additional costs based on payroll.