Salon & Spa Insurance
We offer affordable beauty business insurance options for spa and salon owners.
Supporting salon owners with
customized beauty business insurance
Purchasing an insurance policy that is specific to the beauty industry is imperative if you own a beauty salon or spa that provides full-day spa services, esthetics or hair styling. Accidents can happen and are sometimes unavoidable – what matters is that you are prepared and proactive with as little disruption to your business as possible. Acera Insurance’s PROtique policies specialize in covering beauty salons and spas, and know what is required to provide you with broad coverage for protecting your business.
By purchasing a PROtique policy as a beauty salon or spa owner, you will have the peace of mind to focus on your clients and their satisfaction.
Who we help
Beauty Salon Owners
Full-Day Spa Owners
Hair Salon Owners
Our extensive beauty industry experience
Backed by extensive experience, we provide tailored insurance coverage for beauty care professionals that’s both robust and industry-specific. But our commitment doesn’t stop there—should a claim arise, one of our seasoned brokers will be with you throughout the process, offering clarity and reassurance when you need it most.
We have extensive expertise serving beauty care professionals in the following roles:
Estheticians
Hairstylists
Lash or Brow Technicians
Electrologists
Nail Technicians
Makeup Artists
Understanding spa and salon insurance
PROtique beauty salon and spa insurance includes coverage for:
- Aromatherapy
- Body Wraps
- Eyebrow Lamination
- Eyebrow & Eyelash Tinting
- Eyelash Extensions, Perms & Lifts
- Electronic Muscle Stimulation (EMS)
- Facials
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peels
- Hair Styling Services
- Make-Up Artistry – excluding tattooing
- Manicures
- Micro-current Skin Treatment
- Paraffin Treatment
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
- Reflexology
- Spray Tanning
- Teeth Whitening – product must be manufactured in North America
- Waxing, Sugaring & Threading
Coverage extensions are also available for:
- Dermaplaning
- Ear Piercing
- Electrocoagulation
- Electrolysis
- Laser, IPL & LED Esthetics – excluding CO2 Lasers
- Microdermabrasion
- Micropigmentation & Microblading
- Reiki
- RF Skin Treatment
- Skin Needling
- Tanning Beds
- Ultrasound Skin Treatment
- Privacy Breach
- Cyber Incidents & Online Content Liability
Salons providing the following services cannot be insured with a PROtique policy:
- Acupuncture
- Body Piercing – ear piercing is acceptable
- Chiropody
- Corn, Bunion or Ingrown Toenail Cutting or Removal
- Ear Candling
- Fitness, Nutrition or Weight Loss Programs
- Injectables
- Massage Therapy – relaxation massage is acceptable
- Medical Treatments or Procedures
- Mole or Wart Treatment – electrologists with the Advanced Cosmetic Procedures Extension may work on moles and warts subject to specific conditions
- Tattooing – permanent makeup can be covered
- Varicose Vein Treatment
The key coverages your industry needs.
We understand beauty salons and spas have unique needs and we can customize our policies accordingly.
General Liability Insurance for Salon Owners
Also known as CGL insurance, commercial general liability offers spa and salon owners protection if a third-party is injured while on your premises or accidentally has their property damaged due to your services or operation. For example, a CGL policy can help if you are sued for negligence after a customer slips and falls in your salon.
Professional Liability Insurance for Salon Owners
We deliver E&O insurance salon owners can trust. Professional liability provides protection against lawsuits alleging your advice or professional service caused injury or loss to a customer. For example, this coverage defends you in the event a customer has an allergic reaction or is burned by a product used in their hair or on their body.
Business Interruption
Covers lost profit and pays for necessary ongoing expenses if your salon business is interrupted or closed due to a property damage claim. Also covers certain extra costs associated with the disruption. For example, if a fire causes significant damage to your salon and you’re closed for three months, this coverage can help cover the cost of relocating your business and advertising to inform your customers of your new location.
Contents
Includes replacement cost coverage for company-owned tools, equipment and stock which are located on the premises of the salon or spa. It also covers any renovations or leasehold improvements you have made to the space. Multi-peril coverage is also provided. This means the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism, sewer backup and more.
Equipment Breakdown
This insurance protects key electrical and electronic systems—including your wiring, A/C unit, and panel—against electrical events and mechanical breakdowns. Should a failure force your salon to close, your equipment breakdown insurance also covers lost revenue and essential expenses like your salary. It’s often a condition in commercial lease agreements. Note that this coverage is automatically included on some policies.
Proof of Loss Preparation Costs and Professional Fees
These two benefits help cover expenses required to establish the amount of your loss after a claim and to prepare the Proof of Loss form which you’re required to submit before a claim can be paid. For example – your salon is closed for a month to clean up and repair water damage caused by a recent storm. You will likely need to hire an accountant to establish your profit loss, so you can be reimbursed by the insurance company.
We work with top salon insurance companies to find the best beauty business coverage for you.
Why trust Acera Insurance and PROtique for your salon’s commercial insurance needs?
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.
The cost of salon insurance: Key factors which determine your premiums
Several key factors influence the cost of beauty salon and spa insurance. The exact amount you can expect to pay as a salon or spa owner is as unique as the business you run. This is because your commercial insurance coverage is customized to the specific services you offer, in addition to all of the risks which come with your industry. Your salon insurance premiums are calculated based on these risks. Below is a breakdown on the top factors which influence salon insurance policy costs.
- Type of services offered: Higher-risk services, such as chemical treatments, laser hair removal or microblading, can raise premiums. Salons offering lower-risk services like hair cuts or styling will usual pay less than those performing more advanced or specialized procedures.
- Coverage selections: Adding coverages such as product liability, equipment coverage and business interruption can be vital to your practice, but could increase your premium.
- Coverage limits: For increased protection per incident, you can opt for higher limits, but you will pay more for this greater level of coverage.
- Location: Where your salon is physical located has an impact on your insurance. This includes both the city and neighbourhood of your business. Working within urban area can result in higher premiums due to an increased risk of theft, vandalism and property damage.
- Building ownership: If you own the building, you’ll need commercial property coverage. If you rent, coverage will be focused more on contents, but will also cover potential damage to the leased space.
- Number of employees: More staff means greater liability exposure. Independent contractors (e.g. chair renters) may have their own policies, but their operation in your salon affects your coverage needs.
- Education and experience: Your educational background and the number of years you have been practicing can influence your insurance rates. If you employee staff, their experience can also impact your rates. Those who are newer to the industry can expect to pay more.
- Business size and revenue: Larger operations typically also need more comprehensive insurance coverage, such as higher limits or additional policy endorsements. Higher foot traffic and increased annual revenue also presents greater risk.
- Claims history: A clean record helps keep insurance premiums lower. Past claims could mean increased risk to new insurers, which could result in higher premiums.
To learn what you can expect to pay as a salon owner, get a quick and easy quote with our free online tool. Simply answer a few questions about your beauty business and you’ll receive instant insurance quotes. If you like the price you see, you can even purchase your policy online in a matter of minutes.
At any step of the way, if you have any questions, we are here to help. Connect with one of our beauty care business insurance professionals at your convenience. You can reach us at 1.888.577.3210. We have decades of experience supporting business owners like you. When it comes to finding the best insurance coverage for you at affordable prices, our salon insurance brokers have got you covered.
Ready to get your free salon insurance quote?
Enter your information into our digital tool to get a no-obligation quote in minutes – you can even pay for your policy online!