Barber Insurance
As a barber, your ultimate goal is to make each client feel at ease while performing your services. Customers come to you when they want to look and feel their best. Although you may do everything in your power to provide a clean and safe environment, you and your business are still exposed to lawsuits from your clients. Protect your business from the financial impact of a liability claim with barbers insurance.
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$15 per Additional Insured or $30 for Unlimited
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without barber insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without barber insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Common Questions
What is barber insurance?
As a barber, your ultimate goal is to make each client feel at ease while performing your services. Customers come to you when they want to look and feel their best. Although you may do everything in your power to provide a clean and safe environment, you and your business are still exposed to lawsuits from your clients. Protect your business from the financial impact of a liability claim with barbers insurance.
How Much Does Barber insurance cost?
At Beauty & Bodywork Insurance (BBI), we focus on covering what you need at a competitive price. The base barber insurance policy starts at $9.99/month or $96/year for professional barbers. For just $13, we’ll provide $2000 in coverage for your tools and supplies in case of damage or theft. You can also add one additional insured for $15 or an unlimited number of additional insureds for $30.
The best part? Your application can be completed online in ten minutes or less.
Do Barbers Need Insurance?
You may be asking yourself, do barbers need insurance? The answer is yes, you need barbers insurance! Barbers face a lot of potential liability risks. Chemicals in dyes, sharp cutting tools, and heat from styling tools can all injure a client, even if you’re careful. In all of these situations, you could be liable for a variety of expenses, including medical bills, repairs, and legal fees. Liability insurance for barbers gives you needed protection from claimants.
In addition, if you rent space at a salon or other location, barber public liability insurance might not cover you. Owners may require you to have liability insurance—and to list them as an additional insured—before they hire you.
Quote-Free Application Process
Join the tens of thousands of barbers nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Cupping Endorsement
Cupping therapy is an ancient practice that provides relief from sore muscles and is utilized by competitive athletes around the world. BBI now offers cupping therapy insurance for massage therapists and other bodywork professionals.
For just $35, you can add the cupping therapy endorsement to your BBI policy. Current BBI clients can purchase this endorsement from their dashboard. New BBI customers can simply select the cupping therapy endorsement when purchasing their policy.
*Please note the cupping therapy endorsement excludes wet or fire cupping.
Common Questions
Is My Equipment Covered Under Barber Liability Insurance from BBI?
BBI’s tools and supplies coverage, also known as Inland Marine insurance, protects your business personal property such as your equipment, supplies, or inventory with $2,000 in coverage. You can add it to your base policy for just $13.
I'm Self-Employed at an Insured Barber Shop, Do I Still Need Insurance?
Not always, but it’s good to be safe. Self employed barber shop insurance might not cover you in certain situations, since you’re self-employed. In some cases, the owner of the insured barber shop might ask you to obtain separate barber liability insurance and list them as an additional insured. It’s best to know you are covered against claims. Having your own barber insurance policy can also cover you for any other barber projects you do outside of the insured barber shop.
Why Should I Choose BBI for My Barber Liability Insurance?
At BBI, we’ve made getting barber liability insurance, also known as public liability insurance, quick and painless. We strive to keep your coverage high and your costs low, all while removing the outdated process of brokering a policy through an agent. We have one low cost for professionals. You can get insured online within minutes across 49 states (MO excluded). And if you run into issues, our dedicated support staff is ready to help you every step of the way. We value ourselves in having open communication and trust with our clients. BBI is here for you every step of the way.
You're in good hands.
Here’s what other people have to say about their experience.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
What Other Services Are Covered in a BBI Hairstylist Insurance Policy?
BBI covers a wide variety of services. Take a look at the other hairstylist methods we also cover:
