Salon & Spa Insurance Cost
Beauty isn’t cheap, but your insurance can be.
Salon insurance shouldn’t cost you a fortune. There’s an easy way to save time and money, all while giving the technicians, stylists, and contractors you work with the liability protection they deserve.
How Much Does Salon & Spa Insurance Cost?
Salon and spa insurance costs as low as $349 for a whole year, or $31.08 per month, when you get insured through Beauty & Bodywork Insurance (BBI). The exact price you pay can vary depending on your specific business needs. Looking for an individual policy? Check out our coverage details page.
Unlike some insurance that charges you per employee, BBI calculates your costs based on the number of stations you want to insure, the type of services being offered, and any additional coverage you add to your plan.
Beauty Salon Insurance Cost
Hair Salon Insurance Cost
With one flat rate, hair salon insurance costs start at $349 per year, or $31.08 per month.
Nail Salon Insurance Cost
With one flat rate, nail salon insurance costs start at $349 per year, or $31.08 per month.
Spa & Salon Insurance Cost
With one flat rate, spa & salon insurance costs start at $349 per year, or $31.08 per month.
Note: The BBI Salon & Spa policy is one policy that can cover over 250+ methods performed in one location, such as beauty, hair, nail, and spa services.
Your insurance premium will increase based on the number of stations you are looking to cover. The number of stations does not correlate with the number of employees you have. For example, you have 12 total technicians working in 8 stations, tables, and rooms.
Instead of getting caught up in insurance paperwork, you can now blanket all of your stations and the people who work in them with high quality liability insurance.
| 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 |
Oh Snip! ✂️ Don’t Let Accidents Hold Your Business Back
Would you rather pay $349 for insurance, or $30,000 for a claim?
If something goes wrong in your salon, insurance can help you cover the costs. A single claim may be anywhere from a thousand to hundreds of thousands of dollars in expenses. It can be stressful to come up with those funds in a timely manner, especially if it eats into your revenue or comes out of your own pocket.
Salon and spa insurance is an easy way to ensure business continues as usual, even when an accident occurs. It’s a small price to pay for peace of mind when the alternative could be a lawsuit that drains your funds.
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.
Would you rather pay $349 for insurance, or $30,000 for a claim?
If something goes wrong in your salon, insurance can help you cover the costs. A single claim may be anywhere from a thousand to hundreds of thousands of dollars in expenses. It can be stressful to come up with those funds in a timely manner, especially if it eats into your revenue or comes out of your own pocket.
Salon and spa insurance is an easy way to ensure business continues as usual, even when an accident occurs. It’s a small price to pay for peace of mind when the alternative could be a lawsuit that drains your funds.
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.
4 Factors That Impact Salon Insurance Costs
1. Number Of Stations
The number of stations you insure will raise your salon insurance costs. More stations means more risk for your business, so the increased coverage will mean an increase in price.
2. Services Offered
The range of services you provide can affect the cost of insurance. Different treatments and services may require additional coverage, which can influence the overall price.
3. Optional Coverages
Some policies offer optional coverages, such as Tools & Supplies Coverage or Cyber Liability Insurance. You can typically add these on to your base plan for an additional price.
4. Claims History
Sometimes your claims history can impact insurance costs. If you have a history of filing several costly claims, you may see your premiums go up.
Some insurance companies will raise your premiums based on location, the number of technicians you employ, or the yearly revenue of your business.
BBI does not raise your premium for these reasons, making our policy more affordable for salon and spa owners.
Is Insurance Required For Salon & Spa Owners?
The requirement for salon and spa insurance can vary: some businesses may be part of a franchise or chain and are required to buy it, others may find a building owner requires you to show proof of insurance before renting a space.
Most business owners recommend getting insurance, whether it’s a requirement or not, just so you can have peace of mind. You don’t want to get caught up in a lawsuit, or stuck with a pricey medical bill, and have no way to pay for it. Salon and spa insurance provides invaluable benefits that can save you money and protect your business in the long run.
In the event of accidents, property damage, or lawsuits, insurance acts as a safety net that helps you cover the cost of a claim. It prevents unexpected expenses from crippling your business and helps you stay afloat during challenging times.
Having insurance coverage demonstrates your commitment to your clients’ well-being and gives them peace of mind. It shows that you take their safety seriously, building trust and loyalty.
Depending on your business or location, having salon and spa insurance may be a requirement. By obtaining the necessary coverage, you ensure that you are operating within the bounds of a contract.
It’s not a matter of if an accident happens, it’s when. The best thing you can do for your business is to be prepared to handle an incident in the future.
Salon & Spa Insurance From BBI
Regardless of the type of salon or spa you manage, we have one simple plan to help keep you and your technicians covered.
Here’s what our base policy includes:
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.
Optional Add-ons & Endorsements
– Tools & Supplies Coverage (Inland Marine) (Starting at $16/year)
– Cyber Liability Coverage ($70)
– 1 Additional Insured ($15)
– Unlimited Additional Insureds ($30)
Some services and use of certain tools are not covered by our policy, or require an endorsement to qualify. You can read a full list of our exclusions here.
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
Can I Lower My Salon & Spa Insurance Premiums?
Most salon and spa insurance costs start at one flat rate and offer the minimum coverage and limits available. This means this is the lowest price you can pay for this plan. Adding on optional coverage, raising your limits, or increasing the number of stations covered can raise your cost.
Because your stylists and technicians are working with an individual’s body, the risk of a costly mistake is much higher. Burns, rashes, or infections can lead to expensive medical bills or pricey lawsuits, so you need to ensure your insurance policy will be able to cover you for something like this. This is why base plans with one flat rate exist.
Sometimes you’ll see insurance companies offer the same type of insurance, but for different prices. Typically this happens because they have different policy carriers who have different base policy pricing. They also may be charging you more in fees to increase their own profits. Sometimes they include benefits like memberships or subscriptions for an additional fee. Ultimately you can decide what benefits are worth the extra cost.
Tips For Trimming Your Insurance Costs
At BBI, we want to help you get the most value out of your insurance while keeping costs in check. Consider these three tips to potentially lower your total salon insurance cost.
Regularly assess your salon or spa for safety hazards and take necessary measures to address them. A clean, well-maintained space can reduce the likelihood of accidents and potentially lower insurance costs.
2. Train Your Staff
Provide thorough training to your employees on safety protocols, customer care, and risk prevention. Well-trained staff can lower your chances of an accident occurring, which helps you avoid paying for deductibles on insurance claims.
3. Choose An Annual Plan
When you pay upfront for an annual policy, you only have to pay for taxes and fees once rather than once a month. This can add up over time and makes the total payments for a monthly policy more expensive than an annual policy.
See How BBI Stacks Up
There are several types of salon and spa insurance policies on the market. It’s important to compare different coverage options so you can feel confident you’re getting the right coverage for your business. See how BBI shapes up to the competition!
| BBI | NEXT | Hiscox | The Hartford | PPIB | |
| Price | $349 | $396 | $374 | $761 | $375 |
| General Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ✔️ $2M | ✔️ $2M |
| Professional Liability | ✅ $3M | ✔️ $2M | ✔️ $2M | ❌ | ✔️ $2M |
| Personal & Advertising Injury | ✅ | ❌ | ❌ | ✔️ | ❌ |
| Damage to Premises Rented | ✅ | ✔️ | ✔️ | ✔️ | ❌ |
| Cyber Liability | ✅ Optional | ❌ | ✔️ Optional | ✔️ Optional | ✔️ Optional |
| Tools & Supplies Coverage | ✅ Optional (multiple tiers available) | ❌ | ✔️ Optional | ✔️ Optional | ❌ |
| Commercial Auto | ❌ | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
| Workers Comp | ❌ | ✔️ | ✔️ Optional | ✔️ Optional | ❌ |
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. It is recommended to verify the details and obtain personalized quotes from each provider for the most accurate and up-to-date pricing information.
See How BBI Stacks Up
There are several types of salon and spa insurance policies on the market. It’s important to compare different coverage options so you can feel confident you’re getting the right coverage for your business. See how BBI shapes up to the competition!
BBI
- General Liability:
✅ $3 million - Professional Liability:
✅ $3 million - Personal & Advertising Injury:
✅ - Damage to Premises Rented:
✅ - Cyber Liability:
✅ Optional - Tools & Supplies Coverage:
✅ Optional (multiple tiers available)
- Commercial Auto:
❌ - Workers’ Comp:
❌ - Price:
$349
NEXT
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
❌ - Tools & Supplies Coverage:
❌ - Commercial Auto:
✔️ - Workers’ Comp:
✔️ - Price:
$396
Hiscox
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$374
The Hartford
- General Liability:
✔️ $2 million - Professional Liability:
❌ - Personal & Advertising Injury:
✔️ - Damage to Premises Rented:
✔️ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
✔️ Optional - Commercial Auto:
✔️ Optional - Workers’ Comp:
✔️ Optional - Price:
$761
PPIB
- General Liability:
✔️ $2 million - Professional Liability:
✔️ $2 million - Personal & Advertising Injury:
❌ - Damage to Premises Rented:
❌ - Cyber Liability:
✔️ Optional - Tools & Supplies Coverage:
❌ - Commercial Auto:
❌ - Workers’ Comp:
❌ - Price:
$375
Disclaimer: The provided information is based on the websites of the respective insurance providers and may be subject to change. It is recommended to verify the details and obtain personalized quotes from each provider for the most accurate and up-to-date pricing information.
Instantly Insure Your Salon & Spa Today
Customize your coverage online for as low as $349/year with Beauty & Bodywork Insurance.
