Hair Stylist Insurance
We offer affordable beauty business insurance options for hair stylists, barbers and more.
Customized hairdresser insurance
Acera’s PROtique hair stylist insurance offers the freedom to solely focus on your clients and be assured that in the event of an accident or an unforeseen circumstance, you and your business are protected against liability and damage to your property. We also offer tailored barber insurance.
Hair salon and barbershop Insurance
To get started, simply build your free quote right away. You will be able to customize your coverage and complete the process online. If you are a beauty salon owner, we also offer small business insurance specifically designed for your needs.
Who we help
Home-Based Hair Stylists
Mobile Hair Stylists
Independent Hair Stylists
Barbers
Barbershop Owners
Hair Salon Owners
Our extensive beauty industry experience
Our in-depth knowledge of the beauty care industry has shaped insurance solutions that offer both breadth and specialization. From selecting the right coverage to navigating the claims process, our experienced brokers are here to provide personal, reliable support at every turn.
We have extensive expertise serving beauty care professionals in the following roles:
General Hairstylist
Barber
Colourist
Master Stylist
Hair Extension Specialist
Bridal or Event Stylist
Understanding hair stylist insurance
PROtique hair stylist insurance includes coverage for:
- All Hair Styling Services
- Hair Colouring
- Extensions
- Perms
- Straightening
Coverage extensions are also available for:
- Aromatherapy
- Body Wraps
- Dermaplaning
- Ear Piercing
- Electrocoagulation (for skin tags, spider/thread veins, milia, ruby points)
- Electrolysis
- Electronic Muscle Stimulation (EMS)
- Eyebrow Lamination
- Eyebrow & Eyelash Tinting
- Eyelash Extensions/Perms/Lifts
- Facials
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Laser, IPL & LED Esthetics – excluding CO2 Lasers
- Make-Up Artistry – excluding permanent makeup or tattooing
- Manicures
- Micro-current Skin Treatment
- Microdermabrasion
- Microneedling
- Micropigmentation & Microblading
- Paraffin
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Reflexology
- Relaxation Massage
- RF Skin Treatment
- Spray Tanning
- Tanning Beds
- Teeth Whitening – product must be manufactured in North America
- Ultrasound Skin Treatment
- Waxing/Sugaring/Threading
- Privacy Breach
- Cyber Incidents & Online Content Liability
The key coverages your industry needs.
We understand hair stylists have very specific insurance needs and we can design our policies accordingly.
Hairstylist General Liability Insurance
Commercial general liability or CGL insurance designed for hairstylists.. Offers protection if a third-party is injured while on your premises or accidentally has their property damaged, as a result of your services or operation. For example, your CGL coverages assists your in the event you are sued after a customer slips and falls in your salon.
Professional Liability Insurance for Hairstylists
We provide E&O insurance hairdressers can trust. Professional liability offers protection against lawsuits which allege your advice or professional service caused injury or loss to a client. For example, this is designed to defend you if a customer has an allergic reaction or is burned by a product used in their hair.
Business Interruption
Covers lost profit and pays for necessary ongoing expenses if your hair salon business is interrupted or closed due to a property damage claim. For instance, if a severe storm causes significant damage to your hair salon and you’re forced to close for two months during repairs, your policy will cover the lost profits and continue to pay essential operating expenses—such as your salary and loan payments—while your business is temporarily shut down.
Contents
Includes replacement cost coverage for essential tools, equipment and inventory owned and utilized by your business. Contents must be on the premises of your business. It also offers coverage for any leasehold improvements or renovations you made to the salon. Your contents coverage protects you from a broad range of perils or insured events. These include the most common scenarios which could damage your property, such as fire, theft, vandalism, sewer backup, and more.
Equipment Breakdown
This insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown. Equipment breakdown coverage also serves another incredibly important function – compensating you for lost profits and ongoing expenses if you are closed due to the breakdown. Also, many commercial leases require you to carry this coverage, so be sure to confirm with them.
Proof of Loss Preparation Costs and Professional Fees
These two benefits cover expenses associated with confirming the amount of loss after a claim and providing a Proof of Loss form to receive reimbursement. For example, imagine your barbershop suffers water damage after a recent storm. You may need to close for a few weeks in order to clean up and make repairs. In this event, you may want to work with an accountant to establish your profit loss for the time required to fix everything. Confirming this amount is required in order for you to be paid by the insurance company.
We find the best hairdresser insurance coverage for your unique beauty business.
Why trust Acera Insurance and PROtique for your hairstylist liability insurance ?
Since 1998, we’ve protected beauty care professionals with custom small business insurance. We understand the importance of providing peace of mind, so you can focus on what you do best: serving your clients. Let us customize a PROtique policy that’s perfect for your business, ensuring you’re covered for the risks that matter most.
Important factors which influence the cost of hairstylist insurance
No matter what kind of business you run, almost all professionals are interested in finding the best insurance rates for their needs. The first step to securing the most affordable hairstylist insurance is knowing what factors influence your rates. Below, we’ve put together a list of some of the most important elements which determine what you can expect to pay for your hairdresser insurance policy.
- Business setup: Self-employed hairstylists or chair renters will pay individual policy rates, whereas a salon owner will need broader commercial coverage that offers coverage for staff, property and more. Mobile stylists may need additional coverage for travel and on-location work.
- Services offered: Hairdressers offering basic cuts and styling typically carry lower risk. Stylists who offering more advanced chemical treatments, such as relaxers or perms, may carry higher risk. Typically, the greater the risk, the greater the cost.
- Coverage options: Adding coverages such as product liability, equipment coverage and business interruption is important to ensuring you practice runs smoothly, but will increase your premium.
- Coverage limits: If you would like to receive more protection per insurable event, you can select higher coverage limits. This additional level of coverage does mean paying a bit more on your premium, but can make all the difference in certain scenarios.
- Education and experience: Your personal experience has a big impact on your premiums. More experienced, licensed stylists can expect to receive more favorable rates than someone who is brand new to the trade.
- Claims history: Maintaining a clean record helps keep insurance premiums lower. A history of past claims may signal increased risk exposure to insurance companies, resulting in higher rates.
To discover exactly what you can expect to pay, you can get a quick quote with our free online tool. In order to see your personalized monthly premium estimates, simply answer a few questions about your beauty business and you’ll receive instant insurance quotes. It’s as easy as that! Plus, if you are comfortable with the price, you can even purchase your policy online right away.
If you have questions at any step of the way, we are here to help. Connect with one of our beauty care business insurance professionals at your convenience by calling 1.888.577.3210. Our team has decades of experience helping business owners like you. When it comes to finding the most comprehensive coverage for you at affordable prices, our hair stylist insurance experts have got you covered.
Ready to get your free hair stylist insurance quote?
Enter your information into our digital tool to get a no-obligation quote – you can even pay for your policy online!