Hairstylist Liability Insurance

Absolutely. If you rent a chair or suite inside a salon, you’re usually classified as an independent contractor, which means the salon owner’s liability policy typically won’t apply to you.

Having your own hairstylist liability insurance ensures you’re protected if a claim arises, even when you're working in someone else's salon. It’s a simple way to safeguard your business income and your reputation.

Hairstylists need both general liability insurance and professional liability insurance coverage. Working with people face to face while using shears, heat tools, and styling products carries enough risk that professional liability insurance is a must. At minimum, your policy should include strong limits for general and professional liability of $2 million per occurrence and $3 million per year.

With a hairstylist liability insurance policy through Elite Beauty Society, you receive:

• $2 Million per claim for both General and Professional Liability and Up to $3 Million in total Annual Aggregate
• $2 Million in Personal Injury and Advertising Injury
• $25,000 in Identity Theft Protection

Claims-made coverage means a claim has to be made while the policy is active. In other words, if your policy expires and a claim is filed against you, then your claims-made policy won't cover the claim. Many insurance companies out there offer claims-made coverage because it’s simply more convenient for them to do so. We don’t believe in not covering something that rightfully should be, so we offer occurrence form coverage.

Occurrence form coverage protects you for claims that occur during your policy, even if they are filed later. If an event occurred while your policy was active, but the claim was filed later, even if your policy is long-expired, you’re absolutely covered. It’s just one small way we make sure we’ve got your back.

Absolutely, cosmetology and hairstyling students need insurance. Even while you're in school, you’ll be practicing your techniques face-to-face with real people.

The smallest mistake or accident can lead to a claim being filed against you. For just $49 a year, a student policy from Elite Beauty Society gives you an affordable way to protect yourself and your future business while you’re still in training. You’ll also receive access to the same benefits and professional tools included with a full policy, so you can start building your career with confidence.

Hairstylist liability insurance with Elite Beauty Society costs $179 for a one-year policy. We offer some of the most competitive and affordable hairstylist insurance policies in the industry with multiple plans so each hairstylist can choose what fits their career needs best.

• $179 for a one-year policy. Applies anywhere you provide services within the United States.
• $299 for a two-year policy. Save $59 compared to purchasing two separate one-year terms.
• $49 for a student policy. Students receive a full year of coverage at a discounted rate.

For hairstylists who work less than 15 hours per week, we also offer a part-time policy for $149 per year.

As an Elite Beauty Society policyholder, you receive liability insurance along with a full suite of added insurance policy benefits. You’ll gain access to the Elite Beauty Society resource center, which includes free education tools, eBooks, and guidance on topics like building a successful independent business.

Elite Beauty Society partners with leading beauty industry brands to offer exclusive discounts on products and tools. Benefits may include savings on GlossGenius subscriptions, complimentary Booksy trials, and one month of online therapy through BetterHelp. More perks are added regularly.

Instantly! You will receive your certificate of insurance immediately after purchasing your hairstylist liability insurance. You will also get access to your policyholder portal, where you're able to see your insurance documents at any time.

The process for adding an additional insured to your policy is easy. Please just fill out this form and one of our trained reps will take care of the rest!