Whether you operate a large hair salon or barbershop with its own premises or you’re styling hair part time from your home, make sure you’re protected with the right hairstylist insurance. With Bullfrog, we keep it simple. You get instant coverage, rockstar treatment and no bull. Get a hair salon insurance quote online in just a few minutes. Plus, you can purchase your protection and get insured right away. Can it get any easier?
How to Get Hair Salon Insurance
At Bullfrog, we make getting insurance for hairstylists and barbers easy:
- Enter your profession.
- Fill in your contact information.
- Answer a few questions about your business.
- Choose your insurance coverage.
- Review your hair salon insurance quotes.
- Pay online.
- You’re insured!
We’ll email your policy documents and certificate of insurance right away. It’s really that simple.
Do barbers and hairdressers need insurance?
If you’re sued, could you afford to pay for a lawsuit out of pocket? If your hairdressing equipment is damaged, could you replace it? Hair salon insurance can help reduce the financial burden of these unexpected disasters.
You may be contractually required to carry a certain type and amount of insurance as well, such as by a landlord.
What happens if a hairstylist or barber doesn’t have insurance?
If you don’t have insurance, you will need to pay out of pocket to cover the expense of a lawsuit or replacing your damaged or stolen property.
If you are contractually required to carry insurance and do not have it, there may be legal repercussions.
What’s covered by barbershop and hair salon insurance?
At Bullfrog, we offer two main areas of protection as part of our insurance package for barbers and hairstylists:
- Commercial general liability insurance
- Property insurance
Commercial general liability insurance for hair salons protects you if a third party is injured or has their property damaged by a negligent act by you or an employee. Your legal expenses are covered, including defense costs, judgement awards and settlements. This coverage applies regardless of the outcome of the claim.
Property coverage for hairstylists helps cover your equipment, furniture and other property if it’s damaged or destroyed, as long as it’s caused by an insured peril. This includes fire, theft, and more.
We offer a few levels of hair salon liability insurance:
- $2 million
- $3 million
- $4 million
- $5 million
The amount of protection you should have depends on the likelihood of a lawsuit, estimated cost of a lawsuit, where your barbershop or salon operates, your annual revenue, the number of employees you have, and what type of services you offer.
We also offer two levels of property coverage:
You should choose the amount that is greater than or equal to the value it would cost to replace your company’s property.
Hair Salon & Barbershop Insurance Examples
Here are a few scenarios where hair salon and barbershop liability insurance could help:
- A delivery person slips and falls walking up to your salon. They sue for damages as they believe they were hurt because you failed to properly de-ice the sidewalk.
- A customer claims the personal belongings they placed in your care have been stolen. They decide to sue you.
- An employee gives a statement to local media and a competitor claims it has harmed their reputation and sue.
Here are a few scenarios where property coverage will help hairstylists:
- A fire breaks out and destroys your hair salon or barbershop.
- A few of your high-end blow dryers and other tools are stolen.
- Someone breaks in and vandalizes your workspace.
- A pipe burst and damages your equipment and furniture.
- Wind brings down a tree onto your building and damages your property.
Remember, you are only covered up to your policy limit. This is the maximum amount that will be paid out if you have a claim or over a policy period (usually 1 year). That’s why it’s important to choose the right amount of protection.
What isn’t covered by barbershop and hair salon insurance?
Unfortunately, barbershop and hair salon insurance doesn’t cover everything. It’s designed for specific unexpected circumstances.
For example, your property coverage doesn’t cover damage caused by earthquakes, flooding, sewer backup or wear and tear.
Our hairstylist liability insurance is designed only in the event you’re sued for causing injury or property damage to third parties due to negligent acts. It doesn’t cover injuries to employees, intentional acts of harm or damage, financial loss caused by your service, or if you’re held liable for something other than negligent acts.
Your policy documents will outline the exclusions of your protection, but if you have any questions, don’t hesitate to ask.
How much does insurance cost for hairstylists?
Insurance starts at $500 or $1000/year depending on the insurance company. That’s $42 to $84/month.
We get you hairstylist insurance quotes from different insurance companies, so you can find the best coverage for the best price.
What affects hair salon and barbershop insurance rates?
Hair salon and barbershop insurance rates are affected by the following factors:
- Your insurance coverage
- Your insurance history
- Where your hair salon or barbershop is located
- The number of employees you have
- Your annual revenue
- Which services you offer
Have more questions? Contact us and we’d be happy to help.
Where we offer
Locations where we currently offer beauty salon insurance in Canada:
- Red Deer
- British Columbia
Why our customers love Bullfrog
Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.
Harassment Solutions Inc / BC & AB
Due to a client’s request, and for the first time, I needed Commercial General Liability insurance, but I had no clue where to start. I Googled “CGL” and up came Bullfrog Insurance. Even though my needs were relatively small, due to the client needs, they had to be very specific. Every question I asked was answered by the Bullfrog insurance representative, Raman, who was very helpful. And then when I realized I needed more coverage, she didn’t flinch and let me know she’d get back to me right away. I got great coverage and all of it was done via email. Now I’ll know who to turn to for other small business insurance needs.
White Lilac INC. / Alberta
Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!