Hairstylist Liability Insurance
No Hassle. No Quotes. Immediate Insurance Coverage.
Excellent-rated liability insurance policies that cover beauty professionals for more than 500+ beauty and wellness services. Get A-rated coverage for just $179/year, in just five minutes.
Immediate Hairstylist Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant proof of hairstylist liability insurance upon checkout.
#1 Trusted Hairstylist Liability Insurance
We have insured thousands of hairstylist professionals and are backed by 5- star independent customer reviews.
Mobile Hairstylist Coverage
Do you practice at more than one place? Don't worry, our coverage will protect you in all 50 states.
Policyholder Benefits
We are more than just a hairstylist insurance; Elite Beauty Society has over $1,000 of policyholder perks tailored to the beauty industry.
Immediate Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Member Benefits
We are more than just cosmetology insurance, EBS has over $1,000 of member perks tailored to the beauty industry.
Affordable Liability Insurance Policies For Hairstylists
Hairstylist insurance coverage starts at just $49/year for students and $179/year for full-time hairstylists. At Elite Beauty Society, we know your beauty business comes first, and you work effortlessly to make your hairstylist business exceed. That is why we crafted different policy types to meet your needs, helping protect against costly claims with general liability insurance options built for professionals.
See our rates below:
Two Year
Lock in a rate of $149 per year by purchasing our two year policy, with all the same benefits.
$
299
/year
One Year
Protect your career for a single year. Get comprehensive coverage at the most affordable rate.
$
179
/year
Student
Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.
$
49
/year
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
Hairstylist Insurance Highlights and Coverage
Hairstylist liability claims cost thousands, averaging over $5,000 per incident. Without the right protection, a single customer incident could lead to legal fees, medical bills, or other financial losses that put your career at risk.
That’s why our hairstylist insurance policies safeguard every aspect of your work. Coverage includes general liability insurance and professional liability, legal defense, and even lost wages, giving you peace of mind both behind the chair and in your business operations.
If you're searching for hair salon insurance, looking for clear answers about hairstylist insurance costs, or comparing different stylist insurance options, Elite Beauty Society makes it simple and affordable to protect the future you've worked so hard for.
Hairstylist Insurance Policy Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
Professional liability insurance covers the unique risks tied to your work as a hairstylist. Sometimes referred to as hairstylist liability insurance, it protects you if something you do while providing hairstyling services causes harm to a client. For example, if a customer experiences an allergic reaction to a hair product or develops scalp irritation after a service, professional liability coverage steps in. This helps cover medical expenses, legal fees, and defense costs, so you don’t have to pay out of pocket if a claim is filed.
On the other hand, general liability insurance covers risks that can occur in any salon environment. Think of it as slip-and-fall coverage, ideal for accidents like a client tripping on equipment or slipping in your salon space. A general liability insurance policy also provides protection against bodily injury claims, helping with medical expenses incurred, as well as legal expenses.
Both professional liability insurance and general liability coverage are essential parts of a hairstylist liability insurance policy. Together, they provide comprehensive coverage to safeguard your business, your clients, and your reputation.
In today’s digital world, having an online presence is a must for hairstylists. From showcasing before-and-after transformations on social media to managing client bookings and handling finances online, the beauty industry thrives online—but it also brings risks like identity theft. Hackers and online criminals can target anyone, putting your personal information and finances at risk.
That’s why Elite Beauty Society includes Identity Theft Protection with every hairstylist liability insurance policy. Unlike many other insurance providers, we make this safeguard a priority, helping you with up to $25,000 for your situation. With this protection, your hairstylist insurance coverage keeps your career safe at every level—both in your salon and online.
What Kind of Insurance Do Hairstylists Need?
As an independent hairstylist, your clients trust your hands, and your judgment, but even with steady skills and good instincts things don’t always go as planned. Maybe a client catches a nick during a bang trim or makes a sudden movement faster than you're able to pull the flat iron away. Little moments like these have the potential to escalate into big customer injury claims if you’re not protected. That’s why hairstylist liability insurance is a must-have.
Liability coverage acts as your safety net, stepping in when an accident or injury leads to a claim. It helps with policy coverage for situations where you might otherwise be held liable for damages. This prevents you from paying out of pocket for legal fees or medical bills and lets you focus on your craft instead of worrying about worst-case scenarios.
Elite Beauty Society provides hairstylist insurance built for independent professionals. Each policy includes both professional liability coverage and general liability insurance, giving you comprehensive coverage options at an affordable annual rate. Whether you’re building your clientele or already fully booked, your coverage stays with you wherever you work.
Examples of How Hairstylist Insurance Can Protect You
Here are a couple of everyday scenarios where Elite Beauty Society hairstylist insurance could make all the difference:
- Example one: A client arrives for a blowout before a big event. During styling, they move unexpectedly and the brush catches the client’s hair leading to breakage near the scalp, and they decide to pursue compensation. With professional liability coverage through Elite Beauty Society, you have protection in place if a claim arises, so you’re not left handling legal costs on your own.
- Example two: A client is walking back to your chair when they trip and fall near your station. Even in a controlled environment, they may still hold you responsible for any bodily injury they experienced. Elite Beauty Society hairstylist insurance helps protect you from medical costs or financial setbacks, keeping your income steady even when the unexpected happens.
Nationwide Hairstylist Liability Insurance Coverage
At Elite Beauty Society, we offer hairstylist liability insurance across all 50 states. Whether you're based in bustling California or rural Maine, you can trust that our coverage meets your state's requirements and protects you from unforeseen claims. With EBS, you get peace of mind knowing that no matter where you practice, your business and professional reputation are protected with liability insurance coverage for hairstylists. Select your state below to find the best coverage options for you.
Our Policyholder Perks and Benefits
50% off your first two months of subscription to GlossGenius Gold
#1 Scheduling and Booking Software for Hairstylist
Discounted Health Insurance Marketplace
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University
Access 600+ Hours in Continued Education
And, So Much More!
We are continually adding more member perks to better serve our community
Compare Hairstylist Insurance Companies
| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Theft Protection Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Price | $199 | At a Quote | $179 | $185 | $96 |
Real-World Hairstylist Liability Insurance Examples
See how hairstylist professional liability insurance protects you from incidents that happen in salons every day—from color services and keratin treatments to precision cuts and finishing work.
Hair Color Chemical Reaction
A client develops scalp burns and irritation after a bleach-and-tone service. They claim improper application and inadequate patch testing, seeking medical costs and lost wages.
How You're Protected:
Professional liability helps cover claims tied to chemical services (lightener, toner, vivid color), including alleged negligence in application, timing, strand/patch testing, and aftercare instructions.
Keratin/Smoothing Treatment Fume Reaction
During a keratin service, a client experiences eye and respiratory irritation from fumes. They allege poor ventilation and inadequate protective measures.
How You're Protected:
Professional liability can cover claims related to product use, ventilation practices, safety protocols, and client sensitivity reactions during smoothing/straightening services.
Hot Tools Burn (Curling/Flat Iron)
A curling iron briefly contacts the client’s neck/ear, causing a second-degree burn. The client alleges careless technique and sues for medical treatment and scarring.
How You're Protected:
Professional liability addresses claims tied to tool handling and finishing services, including hot tool temperature control, placement, and stylist technique.
Shear/Razor Nick to Ear or Neck
During a precision cut, the client moves unexpectedly and sustains a small laceration that requires stitches. They seek compensation for medical treatment and scarring concerns.
How You're Protected:
Professional liability helps cover claims tied to cutting services, including technique, tool handling, cape placement, and consultation/disclosure of client movement or sensitivities.
Protect Your Hairstyling Career Today
For just $179/year, protect yourself from these real-world scenarios with hairstylist professional liability insurance. Join thousands of stylists who trust Elite Beauty Society.
Get Protected NowInsurance Coverage for Hairstylists
From precision cuts and color transformations to extensions and smoothing services, our hairstylist insurance protects you across 500+ salon services—whether you work in a suite, traditional salon, or offer mobile appointments.
Haircutting & Styling
- ✓ Women’s & Men’s Haircuts
- ✓ Blowouts & Silk Press
- ✓ Updos & Special-Event Styling
- ✓ Thermal Styling (Flat/Curl/Wand)
- ✓ Texturizing & Layering Techniques
- ✓ Children’s Cuts
Color & Chemical Services
- ✓ Single-Process Color & Root Retouch
- ✓ Highlights/Lowlights & Foiling
- ✓ Balayage & Hand-Painted Color
- ✓ Toner / Gloss / Color Correction
- ✓ Perms & Texture Waves
- ✓ Relaxers & Smoothing/Keratin
Extensions, Barbering & Treatments
- ✓ Extensions (Tape-In, I-Tip, Keratin, Weft)
- ✓ Wig Installation & Maintenance
- ✓ Beard Trim, Line-Ups & Razor Work
- ✓ Scalp Treatments & Deep Conditioning
- ✓ Bond-Builder & Repair Services
- ✓ Clarifying & Detox Treatments
What Customers Are Saying
Elite Beauty Society is proud to hold 5-star, excellent-rated customer reviews. We’re committed to continually improving our insurance policy benefits to meet the needs of every hairstylist and protect them from customer injuries or potential risks while performing professional services.
Check out what some of our customers are saying:
Thankfully never had to use it, but Elite Beauty is quick, easy, and affordable. I would recommend it to other beauty professionals.
amy
EBS Customer
Everything I was looking for was covered by Elite Beauty Society. I liked the fact that it offers coverage for services I hope to add in the future. The site was fairly simple to navigate. I recommend if you're looking for straightforward, easy-to-understand information.
Tonia
EBS Customer
Why You Need Hairstylist Liability Insurance to
Protect Your Career
Whether you’re working in a suite, a freelance setting or in a traditional beauty salon, your coverage goes where you do. Having general liability insurance in place ensures you’re not personally responsible for customer injuries or costly claims that could impact both your income and your career.
Liability insurance provides confidence and security as you offer services to clients in different locations. Understanding how your policy coverage works makes it easier to choose the right professional and small business insurance plan. Below is a complete breakdown of everything you need to know about a hairstylist insurance policy.
Hairstylist Insurance FAQs
Working with people face to face while using shears, heat tools and styling products carries enough risk that professional liability insurance isn’t something to let slide to the side. At minimum, your policy should include strong limits for both general liability insurance and professional liability coverage.
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.
With a cosmetology or hairstylist liability insurance policy through Elite Beauty Society, you receive:
- $2 Million per claim for both General and Professional Liability
- Up to $3 Million in total Annual Aggregate
- $2 Million in Personal Injury and Advertising Injury
- $25,000 in Identity Theft Protection
Many insurance companies out there offer claims-made coverage because it’s simply more convenient for them to do so. This means a claim has to be made while a policy is active in order for it to be covered. We don’t believe in not covering something that rightfully should be, so we offer occurrence form coverage. This means that even if your policy is long-expired, if a claim is made against you for an event that occurred while your policy was still in effect, you’re absolutely covered. It’s just one small way we make sure we’ve got your back.
Absolutely. Even while still 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.
Our rates remain among the most competitive in the industry, offering multiple plans so each cosmetologist can choose what fits their business needs best.
- A one-year policy is $179 annually and applies anywhere you provide services within the United States.
- A two-year cosmetologist policy is available at $299, which saves $59 compared to purchasing two separate one-year terms.
- Students receive a full year of coverage for just $49.
For those who only want added benefits without full liability protection, we also offer a benefits-only plan at $39 per year. It includes a customizable professional website and access to discounts and special offers from partnered brands.
We cover 500+ beauty and wellness modalities ranging from hair, skin treatments, nail decorations, and even massage and yoga.
If you don’t see your service listed, give us a call or send us an email and a knowledgeable sales representative will see if we can add your chosen modality to our growing list.
Call 866.868.3360 or email info@elitebeautysociety.com.
When you purchase a policy through Elite Beauty Society, 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 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 GlossGeniussubscriptions, complimentary Booksy trials, and one month of online therapy through BetterHelp. More perks are added regularly.
Protect your work and build your business at one affordable annual rate.
You will receive your certificate of insurance immediately after purchasing your cosmetology 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!
Get Your Insurance Guide eBook
Ensure a secure future for your business! Download our Liability Insurance Ebook now for expert insights on coverage essentials and risk management. Don't let uncertainties affect your passion – empower yourself today!
Grow & Protect Your Hairstylist Career With Us
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