Every beauty salon faces its own set of risks, from client injuries to accidental property damage and equipment loss. That’s why having the right insurance for a beauty salon is essential. BeautyGuard provides specialized coverage for hair salons, nail salons, and full-service beauty businesses, protecting against liability claims, property damage, and unexpected accidents. Whether you own a bustling salon or a smaller boutique studio, our comprehensive salon business insurance helps protect your business, staff, and services. Enjoy peace of mind knowing your salon is protected with coverage designed specifically for beauty professionals.
This coverage extends to a wide range of salon types, including full-service beauty salons, with options specifically designed for hair salon insurance, nail salon insurance, and more.
Get comprehensive coverage with BeautyGuard’s beauty shop insurance, designed to safeguard your salon, equipment, and financial security.
Our property coverage insures the spaces and tools that keep your business running. It applies whether you own or rent your location. This coverage extends to:
One lawsuit or claim can disrupt your business, drain finances, and harm your reputation. Salon liability insurance protects against client and third-party claims related to services, operations, or conduct. This may include:
Some risks require an extra layer of protection. BeautyGuard offers additional coverages to address exposures that fall outside standard property and liability insurance:
These real claim scenarios (legal defense costs not included) illustrate how BeautyGuard’s salon business insurance keeps owners covered.
Coverage is subject to the terms, conditions, limitations, and exclusions outlined in the policy. Claim outcomes may vary based on specific circumstances and do not guarantee future coverage. You may be held liable for harm caused to a client. Always take proper precautions and follow safe practices at all times.
Beauty salon business insurance is a package of coverages designed to protect your business from costly claims involving client injuries, property damage, or service-related issues. Without it, you could have to pay these expenses out of pocket.
At minimum, you should have a beauty salon liability insurance policy that includes professional liability to protect against service-related claims and general liability insurance for client injuries and property damage. Many shop renters also choose to carry business property coverage for furnishings, equipment, and inventory. BeautyGuard also offers coverage options if you own the building in which your salon is located.
Liability coverage may include client injury claims, allergic reactions, property damage, and legal defense costs, including claims that may arise from employee or renter services performed under your business. We provide salon and spa insurance, med spa insurance, day spa insurance, laser hair removal insurance coverage, and more.
Insurance is designed to help protect your business and personal assets from lawsuits and unexpected expenses. As a salon owner, you can be held responsible for accidents or injuries that occur in your space, even if an employee or a chair renter provided the service. You can structure your coverage in two ways: carry a policy that covers everyone working in your salon or require each independent contractor to have their own insurance and name you and your salon as an additional insured. BeautyGuard offers some of the best salon insurance policies and is ready to guide you through the process.
Insurance for a hair and nail salon needs coverage that includes professional liability, general liability, and property protection. If you rent chairs or suites to independent stylists, you can set up your coverage in two ways:
Beauty salon insurance costs vary based on location, size of the salon, number of employees, and services offered. Most beauty salons pay $500 to $1,200 per year for coverage.
BeautyGuard provides affordable beauty salon insurance to protect your business, equipment, and income—so you can focus on what you do best.
