INSURANCE FOR Hair Stylists and Beauticians

Are you an individual hair stylist or beautician looking for business insurance?
We are ready to help.

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Pick the option below that best matches your business needs

Option One

Do you work alone? Is your number one priority to cover any mistakes or errors that may occur from the professional services you provide? This is the option for you.
Here’s what you get:
  • $1 million in coverage per loss with up to $2 million in coverage per policy term for professional liability and general liability
  • All contracted entities are covered as additional insureds at no additional cost
  • Optional business personal property coverage up to $50,000
  • Defense cost for abuse and molestation included at $100,000 in coverage per loss with up to $300,000 in coverage per policy term (excluding New York)
  • Coverage for one individual with no employees
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Option Two

Are you an entrepreneur who has turned your passion into a business? Do you have inventory, or do you use equipment to provide your services? Do you have other equipment you’re concerned about protecting? Choose this option.
Here’s what you get:
  • Includes $5,000 business personal property coverage (limits available up to $100,000)
  • $1 million in coverage per loss with up to $2 million in coverage per policy term
  • $25,000 professional liability limits (not available in all states)
  • For an additional $100, your policy will cover all contracted entities as additional insureds
  • Coverage for up to three employees
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WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

Styling hair and applying makeup helps your clients look and feel their best. From cut to color and bronzer to blush, we can help you find the right coverage so you can continue doing what you do best.

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PICK THE COVERAGE YOU NEED

FIND PEACE OF MIND

WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our competitive pricing.
male hair stylist showing his client her new hair style
GENERAL LIABILITY

If you can be styling a client's hair in their home and accidentally knock over a laptop, you can be held responsible for replacing the broken item. General liability can cover the replacement cost.

PROFESSIONAL LIABILITY

If the makeup you use stains your client's shirt, they can bring a claim against you. Professional liability can cover the potential damages of the claim.

BUSINESS PERSONAL PROPERTY

If your equipment is lost, you can be covered for its replacement.

DATA SECURITY

If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing. Data security coverage can cover you for the costs and guide you through the process.



Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.

BEST PRACTICES RESOURCES

Our best practices are a practical guide to help you avoid unnecessary claims

Keep the space around your chair clean - It is extremely important to keep the floor around your workspace clear. Clients can and do trip and fall, which can result in a claim.

Do not use your client's image without their permission - Barbers, hairstylists and beauticians commonly use photos of their clients to promote their own work. You must obtain the correct permissions to use someone else's photo for commercial gain.

Avoid refusing service to a potential client - Discrimination lawsuits occur when a client feels they have been refused service due to their race, gender or religion. These suits can be costly and time consuming.

Price your haircuts by the work performed - Haircuts are occasionally priced based on whether a men's or women's cut is being provided. In order to avoid gender discrimination claims, it is advisable to price based on service provided, such as the length of the cut.

Post your prices clearly with the corresponding service - By presenting your prices next to the description of service, your customers will know what they are being charged up front. With clearly displayed pricing, you can avoid disputes regarding what you charge for your services.

OPTION ONE

Do you work alone? Is your number one priority to cover any mistakes or errors that may occur from the professional services you provide? This is the option for you.

Quote Now

OPTION TWO

Are you an entrepreneur who has turned your passion into a business? Do you have inventory, or do you use equipment to provide your services? Do you have other equipment you’re concerned about protecting? Choose this option.

Quote Now