Salon Insurance
$31.08/ month
Cover up to 10 stations — and the technicians who work them — with one smart policy.
What Is Salon and Spa Insurance?
- Client or vendor injury
- Damaged client property
- False advertising claims
- Harm caused by products or services
- Accidental damage to your rented property
- And more!
Note: Salon and spa owners must either rent or lease (not own) the location or property where business is conducted in order to qualify.
Instant Salon Insurance
Relax. We’ve got your business covered. The salon and spa insurance policy works for:
- Hair salons
- Beauty salons
- Barbershops
- Salon suites
- Day spas
- Wellness spas
- Nail salons and studios
- Franchises and chains
Not sure if it’s a fit? We can help!
Let Us Help With That
When accidents happen, salon insurance steps in to keep your business running smoothly. Here are some real claim examples BBI has covered.
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.
When accidents happen, salon insurance steps in to keep your business running smoothly. Here are some real claim examples BBI has covered.
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.
How Much Does Salon and Spa Insurance Cost?
Salon and spa insurance starts at $349 per year, or $31.08 per month. Your base policy premium is calculated based on the number of stations you want to insure — not your number of employees or sales. Learn more about salon and spa insurance costs.
| Number of Stations | Premium |
| 2 Stations | $349 |
| 3 Stations | $449 |
| 4-5 Stations | $549 |
| 6-7 Stations | $575 |
| 8-9 Stations | $675 |
| 10 Stations | $775 |
Beauty Salon Insurance, Styled to Your Needs
Yearly Policy Limit: $3 million
General liability insurance covers you for third-party claims of bodily injury or property damage caused by your business operations. Professional liability insurance protects you against third-party claims of injury or damage caused by your business’ professional services.
Yearly Policy Limit: $3 million
Products and completed operations coverage protects you from third-party claims of injuries or damage caused by the products your business uses or the completed services your business has provided.
Yearly Policy Limit: Included
Personal and advertising injury protects you from claims of non-physical damages caused by libel, slander, advertising mistakes, or copyright infringement.
Yearly Policy Limit: $300K
Fire legal liability coverage can pay for claims if your business accidentally causes fire damage to your rented space.
Yearly Policy Limit: $2,000 – $30,000
Tools and supplies coverage (inland marine insurance) can pay to replace your movable business essentials in case of theft or damage. This optional coverage is available in four convenient tiers starting at $2/month. Easily add this coverage during your application or any time after purchase through your user dashboard.
Why Choose BBI for Salon Business Insurance?
Your salon or spa deserves the best – BBI is any easy choice for protecting your business.
Insurance Professionals
10 years of experience insuring the beauty and bodywork industry with top-rated coverage nearly nationwide!
Responsive Customer Service
Licensed (and non-commissioned) insurance agents ready to work with you to get you the protection you need.
Fast & Secure Online Purchase
Get your free quote and secure your policy in just a few minutes – we’re on your schedule!
Affordable Premiums
One of the most affordable options available to you thanks to trusted carriers and our specialization in covering pros like you.
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
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.
Limits – Per Claim / Per Policy | Price | Deductible | |
Tier 1 | $2,000 / $2,000 | $2/month | $100 |
Tier 2 | $5,000 / $10,000 | $5.50/month | $200 |
Tier 3 | $10,000 / $20,000 | $10.67/month | $500 |
Tier 4 | $15,000 / $30,000 | $17.83/month | $500 |
Optional Tools and Supplies Coverage
Tier 1:
Limits – Per Claim/Per Policy:
$2,000 / $2,000
Price:
$2/month
Deductible:
$100
Tier 2:
Limits – Per Claim/Per Policy:
$5,000/$10,000
Price:
$5.50/month
Deductible:
$200
Tier 3:
Limits – Per Claim/Per Policy:
$10,000/$20,000
Price:
$10.67/month
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
Deductible:
$500
BBI vs. The Other Guys
Getting a blanket of salon and spa insurance that covers all of your technicians can be expensive. Especially when other companies want to charge you based on your income or the number of employees you have. BBI keeps it low-cost and simple: you only pay for the number of stations you want to insure.
Here’s what makes BBI’s salon insurance stand out:
- No hidden fees or membership dues
- No shared limits with other unrelated insureds
- Same (or higher) coverage limits as competitors at a lower cost
- Insure up to 10 stations, chairs, booths, rooms, or tables
- Rates don’t increase based on revenue or employees
- Premiums are the same for every state, unlike most competitors
- Secure a policy up to 90 days in advance
- Shorter application process than competitors
- No agent required to buy insurance (and no agent commissions, either!)
- Optional monthly payments available
- Manage your policy entirely online 24/7
- Instant Certificate of Insurance (COI) after purchase
- Industry-preferred occurrence-based coverage*
- Multiple tools and supplies coverage options
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
You're in Great Hands
Other happy salon and spa owners can tell you all about it.
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!
Questions About Salon and Spa Insurance
Why Do Salon Owners Need Insurance?
Yes, salon owners need insurance to cover claims involving their business. Even if you didn’t perform a service yourself, you assume the liabilities of your employees.
Say a customer suffers an allergic reaction to a chemical used during a service. They decide to sue, naming you, the business, and the employee in the lawsuit. Salon insurance could help pay for the legal fees, medical bills, and court settlements.
You may also need salon owner insurance to fulfill franchise contract agreements.
Commercial property insurance or renters’ insurance can cover some incidents that take place on a property. However, general liability insurance is a must for covering incidents caused by your business, while professional liability insurance is needed for covering damages caused by your business’ services.
I Don’t Have Any Employees. Do I Still Need Salon and Spa Insurance?
If you don’t have any employees, you may still need salon and spa insurance.
Salon and spa owner insurance is designed for businesses that hire employees, rent rooms or stations, or contract independent technicians. If this doesn’t sound like you, then salon owner insurance isn’t for you.
If you’re an independent beauty or bodywork professional looking to get insured, see who qualifies for insurance through BBI starting at $9.99/month.
What Kind of Insurance Does a Hair Salon Need?
Common types of insurance for salon or spa owners need include:
- General Liability Insurance: This can cover injuries and damages caused by your business operations.
- Professional Liability Insurance (E&O): This can cover injuries and damages caused by the services your business offers.
- Personal and Advertising Injury: This can cover monetary damages caused to a person’s reputation or other business.
- Tools and Supplies Coverage: This can cover the cost to repair or replace items you use for your business if they are damaged or stolen.
- Cyber Liability Insurance: This can cover incidents of cyber attacks brought upon your business, such as phishing scams or malware.
- Product Liability Insurance: This can cover products you make and sell in your salon. BBI offers limited coverage for products you use in service, so if you make or sell products in your salon, consider adding additional product liability coverage from our sister company, Insurance Canopy for as low as $99.
How Do I File a Claim With My Salon and Spa Insurance?
Accidents can be stressful, so we try to make the claims process as easy as we can. Policyholders can file a claim online at any time from their dashboard underneath the “Manage Policies” section. After 24–48 hours, you will be assigned to and contacted by your claims adjuster who will help walk you through the rest of the process. Learn more about how to file a claim.
The #1 Trusted Insurance Provider for Beauty Professionals
We get it — choosing the right policy for your business is a big decision. That’s why BBI works with top insurance providers to offer high-quality coverage at a price you’ll love. We also have a team of support agents (yes, real humans!) who can assist you in picking the best policy. More than 63,000 professionals like you have trusted our coverage since 2011. It’s time for you to join us, too.
