Beauty and salon insurance, for the chair, the suite, and the team.

Where salon risk shows up

The common exposures are client injury on the premises, a service that causes a reaction or injury such as a chemical burn or an allergic reaction, and damage to your space, equipment, and product inventory. Heat tools and chemicals add fire and liability risk.

Ownership structure matters. A salon with employees, a salon with booth renters, and a solo suite operator each carry different coverage needs, and many landlords and suite operators require proof of liability coverage.

Coverage that commonly applies

General liability covers premises injury and damage. Professional liability covers claims arising from the services you provide. Commercial property covers your build-out, stations, and product. Workers compensation applies once you have employees.

Booth and suite renters often need their own liability and professional coverage even when the salon carries a policy, since the salon's policy may not extend to an independent operator.

When it is worth a review

Review your coverage when you add services like injectables or chemical treatments, bring on employees or booth renters, move or build out a new space, or start retailing products, since each can change your exposure.