Salon Insurance: A Salon Liability Policy

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, Beauty 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.

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.

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.

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 an identity protection plan.

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.

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.

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.

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.

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.

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.

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.