Salon Insurance and Spa Insurance

Ensure your salon or spa business is properly and fully covered

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Who Needs Beauty Salon Insurance?

Salons and spas face many risks, so beauty salon insurance is essential. Incidents like customer slip-and-fall accidents are common in salons and spas, so you should consider general liability coverage. Employee injury is always possible, and workers’ comp is state-mandated for many businesses, so that coverage is important. The potential for bodily injury or financial harm from professional advice offered (such as a product recommendation) means that a professional liability policy (also called errors and omissions insurance) is important. Accidental fires and equipment theft or damage should be covered by a BOP or property and liability policy. You may need a Certificate of Insurance, which is available online as soon as you purchase a policy from us.

Any Beaty Salon or Spa Needs Business Insurance: Including:

Barber shops
Beauty parlors
Blowout salons
Cosmetologists
Estheticians
Eyelash extension technicians
Hair salons
Hair stylists
Hairdressers
Massage companies
Masseuses
Nail technicians

What Does Salon Insurance Cost?

Your salon insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get fast, free, self-service quotes for all the policies you need online.

What are the Different Types of Salon Insurance and Spa Insurance?

At biBERK, we offer seven different types of insurance for beauty salon and spa owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

Workers' Compensationchevron_right

General Liability insurance

Also known as commercial liability insurance, a general liability policy is important because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your organization’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your organization back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Professional Liability

Also known as errors and omissions or E&O insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

Professional Liabilitychevron_right

Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

Commercial Autochevron_right

Cyber insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

Why biBERK for Spa and Salon Insurance?

We're the experts when it comes to small business.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

Get a Quote Today

See why biBERK is easier and more convenient for salon insurance when you obtain your free quote online.

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