Insurance For Hair Salons

Hair Salons, like all businesses, have unique insurance needs. If you own or manage a hair salon, it is important you understand which coverages are available to protect your business. We will review some of the basics to get you on the right track.

Types of Insurance for Hair Salons- General Liability

General Liability Insurance is an imperative coverage for any salons. There is always a risk of a client falling and getting injured, it is the General Liability
the will protect you against these types of accidents. For a small salon, General Liability is very affordable and it includes millions of dollars in liability
coverage. In many cases you can also endorse coverage for all your tools and equipment for a nominal cost.

Types of Insurance for Hair Salons- Workers Comp

All employees that work in the salon need to be covered with Workers Comp. However, many hair salons hire independent contractors that rent a station in thesalon. It is important to recognize that these independent contractors should still be covered with Workers Comp. These independent contractors can purchase their own Workers Comp or they can be added onto your Workers Comp policy, it is important that they are covered.

Types of Insurance for Hair Salons- Mobile Services

Some hair salons offer mobile services for weddings, proms, or other events. If your business provides these services, you must make sure that your General Liability and Workers Comp policy cover these types of operations. In addition, if employees are driving their own vehicle to these events, it is important to purchase hired/non-owned auto liability coverage, which is an affordable endorsement for your General Liability policy.
There are many other important coverages, depending on your operations. If you would like to learn more about the proper types of Insurance for your hair salon, give us a call at 925-297-4829.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.