Salon Liability Insurance

By covering legal defense, medical bills, and other costly claims, liability coverage prevents unexpected expenses from cutting into your earnings. Protecting cash flow in a salon business is essential, and an insurance policy provides the financial stability that keeps income consistent even when claims arise.

Yes. Professional liability insurance exists for this exact purpose. If a client experiences damage to their hair from chemical treatments or irritation from skincare services, your salon insurance policy helps cover the legal fees and settlements that may follow, reducing the risk of paying out of pocket.

It is. Students can purchase full coverage for $49/year, and licensed beauty professionals can secure coverage for just $179/year. For salon owners and independent contractors, this affordable insurance cost delivers robust general and professional liability protection without straining the budget.

Yes. Elite Beauty Society’s salon insurance includes general liability coverage that protects against slip and fall claims up to $2 million per occurrence and $3 million per year. This ensures your coverage options reflect the realities of working closely with clients every day.

Beyond general and professional liability, every policy includes Identity Theft Protection and more than $1,000 in policyholder benefits. These extras help salon owners and beauty professionals save money, access industry tools, and strengthen their beauty business while staying protected.

Insurance limits should be set with great care. Too low and you run the risk of not having enough of a benefit in the event of a claim. Too high and you will be paying for something that has little chance of ever being needed.

We set our limits after years in the business of beauty. Our general and professional liability coverage comes with limits of $3 million as each member’s individual annual aggregate and $2 million for each claim. We have found these limits to be well-suited for the industry.

Absolutely. Booth renters are usually not named as additional insureds on a salon’s insurance policy and many salons will require you to have insurance before they will allow you to rent space with them.

Even if the salon does not require that you carry your own insurance, or does name you as an additional insured, the absolute best protection for you personally is to carry your own individual salon insurance.

Our salon insurance policy is made especially for the professionals in the industry and combines great coverage with fantastic benefits - all at an affordable rate.

Yes, our beauty salon insurance policy affords members full-portability. This means no matter where you choose to provide services within the 50 U.S. states, you will enjoy the full coverage of your policy.

It’s important to note, we can only provide coverage for services that your state board grants you the ability to do - anything outside of that would not be covered so always be sure your work is done in accordance with the local requirements of your state board. 

A liability claim can come in many different forms, often in very unexpected ways. Let’s take a look at some examples of claims falling under the different provisions of our salon insurance policy:

• General liability: a client is injured and holds you responsible when they trip and fall on their way to your booth space.
• Professional liability: a client sues you when they allege you provided the incorrect hair treatment which caused them some form of financial loss.
  
• Identity protection: an example of coverage would be when a member’s identity is stolen; for this event they are afforded up to $25,000 worth of identity recovery services.

Independent stylists will often be required by the salon they are working in/for to have their own insurance policy. Landlords too may require an independent stylist to maintain liability insurance before they will rent a space for them to operate.

Having your own salon liability insurance protects an independent stylist from many different angles. Even if you have some degree of protection under a salon owner’s policy, the probable shortfalls in the event of a claim would be your financial burden to bear. With claims that can run in the thousands, just one unfortunate event could mean financial ruin for an independent stylist who does not have salon liability insurance.

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