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.