• Esthetician Insurance
    • Esthetician Insurance
    • Microblading Insurance
    • Spray Tan Insurance
    • Esthetician States Requirements
  • Beauty Insurance
    • Cosmetology Insurance
    • Cosmetologists State Requirements
    • Makeup Artist Insurance
    • Bodywork Insurance Vs. Beauty Insurance Plus
    • Hands On Trade Vs. Beauty Insurance Plus
    • ASCP Liability Insurance Vs. Beauty Insurance Plus
  • Nail Tech Insurance
    • Nail Technicians States Requirements
  • Business
    • Subscribe
  • About
    • Services Covered
    • Insurance Member Benefits
    • Frequently Asked Questions
    • Contact
  • Apply
  • Members
    • Renew
    • Add Additional Insureds
    • Insurance Renewal Process
    • Renewal Giveaway
    • Refer a Friend

Beauty Insurance Plus

Beauty Insurance Plus - Professional Liability Insurance

  • Esthetician Insurance
    • Esthetician Insurance
    • Microblading Insurance
    • Spray Tan Insurance
    • Esthetician States Requirements
  • Beauty Insurance
    • Cosmetology Insurance
    • Cosmetologists State Requirements
    • Makeup Artist Insurance
    • Bodywork Insurance Vs. Beauty Insurance Plus
    • Hands On Trade Vs. Beauty Insurance Plus
    • ASCP Liability Insurance Vs. Beauty Insurance Plus
  • Nail Tech Insurance
    • Nail Technicians States Requirements
  • Business
    • Subscribe
  • About
    • Services Covered
    • Insurance Member Benefits
    • Frequently Asked Questions
    • Contact
  • Apply
  • Members
    • Renew
    • Add Additional Insureds
    • Insurance Renewal Process
    • Renewal Giveaway
    • Refer a Friend

Salon Insurance: A Salon Owner Policy


As a salon or spa owner, you have an obligation to your employees as well as to the business you've worked so hard to build.

There's a lot at stake when it comes to your business — from financial investments to client contracts, employees who depend on you, and a host of other commitments that keep your enterprise in motion.

If something were to happen to it, could you cover the losses?

Salon Liability Insurance

Call today to receive a quote on your
Salon Insurance Policy.

800.941.3583

Get your Salon Insurance Policy  online now.

Buy Policy

What exactly is a Salon Liability Insurance ?

Salon liability insurance protects you from having to pay out-of-pocket when an unforeseen event causes a claim against you. When a third-party has an injury or their property damaged while using your salon service, they may hold you liable and demand you cover their costs. In some cases, this can include a lawsuit. BIP’s salon insurance provides you with stout coverage limits and an all-inclusive protection plan to help mitigate the risks involved in the business of beauty.

How much does salon insurance really cost?

Beauty Insurance Plus believes that insurance for salon owners should be easy to understand exactly what you’re getting and how much it will cost. Some insurance programs make you fill out a bunch of questions before they’ll even quote you. With Beauty Insurance Plus, we publish our rates so professionals can get in, get insured, and move on to the next item in their busy days. Current pricing options include:

  • 12-Month Salon Insurance Professional Plan - $159 or as low as $14.58/mo for 12 months when financed.
  • 12-Month Salon Insurance Part-Time Professional Plan - $135 or as low as $12.38/mo for 12 months when financed.
  • 24-Month Salon Insurance Professional Plan - $279.95 or as low as $25.66/mo for 12 months when financed.
  • 12-Month Student Salon Insurance Plan - $25
  • Benefits Only (No Insurance) Plan - $39

Having the right coverage is vital to the success of any business and we're committed to bringing you the products and solutions needed to protect yours. 

Buy Policy

Business vs. Professional Insurance—Do I need both?


Professional Liability Policy: For Your Individual Peace of Mind

hair stylist working with client

Protect yourself, your livelihood, and the career you've worked so hard for.

Whether you are working in your own salon, rented space, or work as an employee, Beauty Insurance Plus has you covered. 

Cosmetologists, estheticians, nail technicians, barbers, and all professionals in the world of beauty offer multiple services to support their clients. To address that need, we developed an inclusive liability insurance program, tailored specifically to beauty professionals, so that you can continue to help your clients look and feel better.

Our program offers full protection for more than 350 beauty and wellness modalities, as well as professional business support and member benefits.

This program is meant to support the individual beauty professional and their coverage will follow them wherever they practice in or outside of the salon

Learn More!
Get Insured Today!

How do I know how much coverage I get with salon insurance? 

Our salon insurance coverage was designed to be all-inclusive, providing the best protections available for today’s salon owners, independent stylists, and independent small business owners. To do that, our salon liability insurance provides clear-cut coverage and no-nonsense pricing. Beauty Insurance Plus’s salon insurance policy provides coverage in the following areas:

  • General and Professional Liability: $2 million per occurrence, $3 million individual annual aggregate.
  • Product Liability: $2 million in total
  • Rental Damages Coverage: $100,000
  • Stolen Equipment Coverage: $1,000 (with a $250 deductible)
  • Identity Theft Protection Plan: $25,000

 

Get a Quote Now!

Salon Insurance Frequently Asked Questions

Is salon liability insurance worth the cost?

In short - absolutely. You’d never drive your new car blindfolded and without insurance and then just hope for the best; but that’s exactly what running your own salon without insurance is like. You’ve put so much hard work and effort into this venture, protecting it is only logical for those wanting to make this a lasting endeavor. With a low annual rate and no hidden fees, Beaut Insurance Plus offers you the protection you need to do what you love with confidence, knowing exactly how much coverage you have and how much it costs.

Do you need salon insurance if you don’t have any employees?

In short - absolutely. Many salon owners own their business and provide all of the services themselves without employees. When it’s your reputation and career on the line, the personal protection salon insurance provides is a must-have for ensuring long-term success in the beauty industry.

Does salon insurance cover mobile salons?

Definitely. At Beauty Insurance Plus, we know the business of beauty is evolving constantly and our professional members need an insurance plan that’s designed for today’s environment. That’s why we provide a provision called portability in our salon insurance plans. This provision allows professionals to offer services in a rented booth, mobile salon, or even in their client’s home and their insurance plan follows them.

What are the three types of salon insurance needed in a salon?

The three main types of salon insurance liability coverage include: general liability, professional liability, and product liability. Our salon insurance made for the real world also includes additional protections like stolen equipment coverage, rental damages coverage, and an identity protection plan.

Do you need a license to get beauty salon insurance?

All of the services covered under our extensive beauty salon insurance plan are covered only to the extent they are included in the scope of work as defined by your jurisdiction’s regulators. Simply put, while insurance coverage doesn’t necessarily require licensure, we aren’t able to provide coverage for services that you are not properly licensed to perform.

How do you move your salon liability insurance?

With Beauty Insurance Plus’s built-in portability provision, you can move anywhere in the 50 U.S. states and your insurance coverage wouldn’t change. As long as you are appropriately licensed and able to legally provide services in your new location, you wouldn’t have to do anything with your BIP salon insurance plan but update your contact information.

Where can you see a comparison for salon insurance plans?

Right on our site, of course. We include comparison information for different salon insurance providers right on our website so professionals can see first-hand how our plan stacks up against other offerings. We do this because we’re confident our all-inclusive salon insurance plan is the best combination of coverage and affordability available and also the driving reason why so many salon owners and independent stylists rate our plan so highly.

Why would I need product liability coverage with salon insurance?

Product liability coverage is vitally important with all of the different chemicals, tools, and other equipment used during the course of salon beauty treatments. When a product you use on a client causes them to have a severe allergic reaction, they may hold you responsible to cover all of their medical treatment costs or may even decide to sue you to collect these. With Beauty Insurance Plus, you get all the way up to $2 million for covered claims under your product liability coverage, including legal defense fees, if necessary.

When is a good time to buy salon insurance?

After you’ve gotten set up with incorporating your business and getting all of the licenses necessary to begin operations, the next step is to get insurance to make sure you’re personally covered during the activities performed in your business. Even when you have no employees but yourself, insurance is a smart step when setting up your business. Covering yourself brings you peace of mind knowing your financial future is protected on all sides. Unfortunately, as soon as you open your doors, there are risks present for salon operators. Salon insurance provides the safety net needed to provide great beauty service with confidence.

What are some examples of claims with beauty salon insurance?

After so many years insuring beauty salon owners and independent stylists, we’ve seen a lot of different ways our coverage plans were able to provide financial stability for our members. At its core, beauty salon insurance is a way to transfer risk away from yourself and onto your insurance provider. Running down our “big three” liability coverages, examples of claims can include things like:

  • General liability: A client simply slips and falls on some hair clippings on your floor and injures themselves in the process. Slip and fall lawsuits are all-too-common and run on average between $25,000 and $50,000. 

  • Professional liability: During a busy day, you forget to sterilize your nail tools in between appointments and a client develops an infection as a result which requires medical care. A personal injury lawsuit could stem from an injury or illness a client received while in your care. 

  • Product liability: During a salon facial treatment, the exfoliant you use causes the client to experience a severe allergic reaction and they need medical treatment. They then send you a bill requesting you to cover all of their medical expenses and lost wages when they also missed work.

What types of beauty treatments are covered by salon liability insurance?

BIP salon liability insurance covers hundreds of different beauty and wellness services all under one, all-inclusive insurance plan. Hair styling, skin care, nail decorations, and even massage are all covered to the extent that the professional is appropriately licensed to provide such services in their chosen location.

Beauty Insurance Plus

3948 3rd Street South #279
Jacksonville Beach, FL 32250
info@beautyinsuranceplus.com
(800) 941-3583

Gtranslate

en English
en Englishes Spanishvi Vietnamese
About Us
Contact Us
Frequently Asked Questions
Get Insured
Privacy Policy & Terms of Service

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, members of which are also members of Protection Plan Association, Inc. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Arthur J. Gallagher Risk Management Services, LLC is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, LLC, a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. All Rights Reserved. Copyright © 2023
en English
en Englishes Spanishvi Vietnamese
Scroll Up