Salon & Beauty Insurance: What You Need to Know

Salon and beauty professionals work directly on clients' hair, skin, and bodies — which means a single allergic reaction, chemical burn, or slip-and-fall can lead to expensive claims. The right insurance protects your business, your stylists, and your clients.

Essential Salon & Beauty Coverages

Professional Liability — allergic reactions, chemical burns, unwanted results
General Liability — client slip-and-falls, property damage
Commercial Property — styling chairs, equipment, product inventory
Workers' Compensation — employee injuries from standing, chemicals, repetitive motion
Business Income — lost revenue if you must close temporarily
Product Liability — reactions to products you sell or apply

How Much Does Salon Insurance Cost?

Business Type	Annual Cost Range
Solo Stylist / Booth Renter	$300-$1,200
Small Salon (2-5 stylists)	$1,500-$4,000
Full-Service Salon & Spa	$3,000-$8,000
Med Spa / Aesthetic Clinic	$5,000-$15,000+

Med spas and aesthetic clinics pay more due to higher-risk procedures (injectables, laser treatments). Hair salons and nail salons are on the lower end.

Why Salon Insurance Matters

Beauty industry claims are more common than most owners expect. Chemical treatments can cause burns or allergic reactions. Waxing and laser services carry injury risks. Even a client tripping over a cord can lead to a lawsuit. Insurance ensures one bad day doesn't end your business.