Cosmetology Insurance

Cosmetology liability insurance customized for you

In the beauty industry, your success depends on high-quality professional equipment and strong client relationships. Whether you're a style veteran or a recently licensed cosmetologist opening a new studio, the right cosmetology insurance can help protect your supplies, customers, and employees so you can focus on delivering exceptional service.

What is cosmetology insurance?

Cosmetology insurance is a tailored selection of business insurance coverages designed for the specific needs of professionals in the beauty industry. It can cover risks like customer injuries, workplace accidents, or damage to important devices and supplies.

Call the Progressive Commercial team or start a quote online to create an insurance policy that meets the needs of your unique business.

Why cosmetology business insurance is important

Beauty salons and medical spas work hard to give every client a safe, comfortable experience. Your work takes skill and close attention, but mistakes and surprises can still happen. Insurance is important because it helps protect you if something goes wrong. Cosmetology liability insurance can provide the coverage you need so you can focus on delivering outstanding service and growing your business.

Do you need a certificate of insurance (COI)?

If you lease business space or a booth in a shared salon, your landlord might require you to provide a certificate of insurance (COI). Likewise, if you rent expensive equipment, like laser hair removal systems or microdermabrasion machines, the vendor might want to check your coverage with a COI.

Who needs cosmetology insurance?

Insurance for cosmetology businesses can benefit beauty professionals and companies, including:

• Beauticians
• Hairdressers
• Estheticians
• Spas
• Barbers
• Salons

Cosmetology businesses of any size can benefit from insurance, whether you're a sole proprietorship, an LLC with multiple employees, or working for a new venture like a startup.

Types of insurance for cosmetology businesses

You instill confidence in your clients every day, and you deserve the same assurance when it comes to your business. Understanding your insurance options can help you make the right choices for your cosmetology business. Read about common coverages that salons and beauty professionals should consider.

General liability (GL)

General liability is a basic coverage that all professional businesses should consider. It covers injuries or damage you accidentally cause others. Learn more about the benefits of general liability and how much GL costs.

Example: A client has an allergic reaction to a facial product during a treatment. A GL policy can protect you if the client needs medical attention or files a claim against your business.

Business owners policy (BOP)

A business owners policy packages liability insurance with protection for your business's commercial property. It includes coverage for your building and the furniture and supplies you have there. See our BOP coverage guide for more ways to customize your insurance to your needs.

Example: A strong windstorm damages the roof of your salon, causing you to close for repairs. A BOP can help cover the damages and replace lost income while your business is temporarily shut down.

Inland marine

Inland marine insurance covers supplies and equipment that are stored or used off-site. It can pay for damage and loss from theft, severe weather, and other common risks.

Example: You keep extra product inventory in a rented storage unit, and a fire damages the unit, ruining all your merchandise. This coverage can pay to replace the lost items.

Commercial auto

Cosmetologists who regularly travel to weddings or other events for work might need commercial auto insurance. Minimum commercial auto requirements vary by state, so check to see what level of coverage you need. You may also want to consider additional commercial auto coverages to better protect your vehicles and employees.

Example: You're on your way to a photoshoot, and an uninsured driver hits your business van. With uninsured motorist insurance, you can be covered if the other driver can't pay for the damages.

Workers' compensation

Businesses with employees might need workers' compensation insurance, which pays for medical bills and lost wages after a workplace accident. The cost of workers' comp depends on factors like how many employees you have, their job role, and where your business is located.

Example: Your colorist has a skin reaction to a chemical they're using to treat a client. Workers' comp could pay for their ER visit, treatment, and lost wages.

How much does cosmetology insurance cost?

What you'll pay for cosmetology insurance depends on the type of risk you're exposed to. A busy spa that offers a lot of services will typically pay more for coverage than a small hair salon. The following factors can influence the cost of business insurance:

• How long you've been in business
• Revenue
• Your equipment
• Location
• Your services
• Coverage choices
• Number of employees
• Claims history

Getting commercial auto insurance can also influence your total insurance price. Luckily, you might be eligible for discounts that lower your commercial auto rate. For example, companies with a BOP or general liability policy could get a multi-product discount on their business vehicle coverage.

Cosmetology insurance through Progressive Commercial

With over 50 years of experience protecting small businesses, we make getting the coverage you need easy. If you're unsure which protections are right for you, our insurance experts are here to help. Start an online quote or call us to get connected with a custom policy that fits your cosmetology business.

More information

• Steps for insuring your hair and beauty business
• Workers' comp insurance by state
• Business insurance by state
• What types of business insurance do you need?