Hair stylist and hairdresser insurance protects professionals in the hair care industry from financial loss caused by unexpected accidents, property damage, or liability claims made by clients or third parties. With the right hair stylist liability insurance, you can safeguard both your reputation and your income.
From coloring and chemical treatments to cutting and styling, hair stylist insurance offer protection for the wide range of services you provide to clients.
From coloring and chemical treatments to cutting and styling, hair stylist insurance offer protection for the wide range of services you provide to clients.
One lawsuit or claim can disrupt work, drain finances, and harm reputations. BeautyGuard offers liability insurance for hair stylists to protect against client and third-party claims related to services, operations, or conduct. This can include:
Some risks require an extra layer of protection. BeautyGuard offers additional coverages to address exposures that fall outside standard liability insurance:
Every stylist is different, but these real claim scenarios (excluding legal defense costs) demonstrate the types of incidents that may be covered under hairdresser insurance.
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.
At a minimum, insurance for hair stylists needs to have professional liability insurance (for mistakes, errors, or client injuries related to services) and general liability insurance (for third-party bodily injury and property damage). Many also choose to carry business personal property coverage for tools, chairs, and other equipment.
Self-employed (1099) hair stylists typically need professional liability, general liability, and possibly property coverage for tools and supplies. Mobile stylists should ensure their policy covers off-site work as well.
Hair stylist liability insurance can include coverage for claims of client injuries, chemical burns, allergic reactions, property damage, and legal defense costs, including incidents where a client’s belongings were damaged during service.
Costs vary based on location, services provided, and coverage limits. Most hair stylists pay $300 to $600 per year for coverage.
Possibly. Some salon owners include chair renters on their policy, but this isn’t guaranteed. Even if you rent a chair, you can still be held liable for your own services. Many salon owners require proof of insurance before allowing stylists to rent space.
BeautyGuard, of course! The best policy provides broad coverage for the services you offer, includes both professional and general liability insurance for hair stylists, covers mobile/off-site work, and offers limits high enough to protect your business in the event of a lawsuit.
BeautyGuard delivers comprehensive insurance for hair stylists so you can style with confidence.
