Insurance for Salons & Spas
Protect your artistry and your business.
Get comprehensive coverage for hair salons, spas, nail salons, and beauty professionals that protects against liability, property damage, and more.
Licensed agents who understand the beauty industry deliver fast quotes and expert support.
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Licensed agents who understand your industry and get you competitive quotes fast.
Why Salon Insurance Matters
Coverage for beauty professionals and their businesses
Running a salon or spa means working closely with clients—applying chemicals, using heated tools, and providing treatments that carry inherent risks. From allergic reactions and chemical burns to slip-and-fall accidents in your salon, the beauty industry faces unique liability exposures that require specialized coverage.
Most beauty businesses need General Liability (for client injuries and property damage), Professional Liability (for claims related to your services), Commercial Property (to protect equipment and inventory), and Workers' Compensation if you have employees. Many salon owners are also independent contractors who need coverage tailored to their business structure.
Whether you run a full-service salon, day spa, nail studio, or work as an independent booth renter, the right insurance protects you from claims that could devastate your business. Working with agents who understand beauty industry risks ensures you get coverage that meets your specific needs.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers client injuries in your salon, property damage, and bodily injury claims.
Professional Liability
RequiredCovers claims arising from your beauty services—allergic reactions, chemical burns, unsatisfactory results.
Business Owners Policy
Bundled coverage for property, equipment, liability, and business interruption—ideal for salon owners.
Industry Risks
Common risks you need to protect against
Real risks beauty professionals face
See how the right insurance protects you when things go wrong
Risk
A client has a severe allergic reaction to hair dye and requires emergency medical treatment.
Professional Liability
Pays for medical expenses, legal defense, and settlement—protecting you from claims that could reach $50,000+.
Risk
A client has a severe allergic reaction to hair dye and requires emergency medical treatment.
Professional Liability
Pays for medical expenses, legal defense, and settlement—protecting you from claims that could reach $50,000+.
Risk
A client slips on wet hair clippings and injures their back in your salon.
General Liability
Covers medical bills, legal defense, and settlement so one accident doesn't ruin your business.
Risk
A client slips on wet hair clippings and injures their back in your salon.
General Liability
Covers medical bills, legal defense, and settlement so one accident doesn't ruin your business.
Risk
A fire damages your salon equipment, furniture, and product inventory.
Commercial Property
Reimburses you for equipment, inventory, and fixtures so you can rebuild and reopen.
Risk
A fire damages your salon equipment, furniture, and product inventory.
Commercial Property
Reimburses you for equipment, inventory, and fixtures so you can rebuild and reopen.
Why Choose Us
Why beauty professionals choose 1-800-INSURANCE
- Coverage designed for salons, spas, and independent beauty professionals
- Professional liability for service-related claims
- Options for salon owners and booth renters
- Equipment and product inventory protection
- Fast certificates for landlords and shopping centers
- Affordable coverage for independent cosmetologists
Essential coverage for beauty professionals
Compare quotes and get the specific policies your salon needs
General Liability
Protection against client injuries and property damage in your salon or spa.
Professional Liability
Covers claims arising from your beauty services—allergic reactions, burns, and more.
Business Owners Policy (BOP)
Bundled coverage for property, equipment, liability, and business interruption.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Salon & Beauty Insurance FAQs
What insurance do I need as a hairstylist or cosmetologist?
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Most beauty professionals need General Liability and Professional Liability at minimum. Salon owners should also consider Commercial Property and Workers' Comp. Independent booth renters typically need their own professional liability policy separate from the salon's coverage.
Does salon insurance cover chemical reactions and burns?
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Yes. Professional Liability insurance specifically covers claims arising from your beauty services, including allergic reactions to products, chemical burns from treatments, and other service-related injuries.
Do booth renters need their own insurance?
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Yes. Even if you rent a booth in someone else's salon, you typically need your own General Liability and Professional Liability coverage. The salon owner's policy usually doesn't cover independent contractors' work.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.