Definitely. As a sole proprietor, your business’s success or failure is largely up to you. Sole proprietors know they have to wear many hats in a given day - both providing the service and running their business in a way that takes care of their needs. While it’s not fun to think about, liability exists in many different forms for a sole proprietor.

A salon client that asserts that your specific regimen caused them harm could cost you thousands. Without salon liability insurance, these costs would be left to you to figure out how to cover. For just $159 per year, salon liability insurance is a cost-effective way for a sole proprietor to transfer the risk of paying for a liability claim from themselves to their insurance provider.

Hairdressing may seem like a fairly low-risk occupation. After all, nearly all of your focus is on a client’s hair rather than some of the more intense hands-on beauty applications like microblading. However, liability still exists and claims against hairdressers are numerous. A beauty model may entrust you to fix their hair pre-shoot and then seek restitution afterward when they deem the styling you did was the cause of them not getting the contract.

A bride may have an allergic reaction to a product you use and hold you wholly responsible for the costs they incur for medical treatment, not to mention for ruining their big day. Liability is the legal responsibility for paying for something you are responsible for. Even if, when sued, the courts find the claim was frivolous, legal defense alone can prove incredibly costly. The best protection for the many liabilities that exist in beauty and wellness is comprehensive salon insurance from a solid insurance company.

Absolutely. Our beauty salon insurance offers a combination of great coverage, additional protective programs, and a full suite of member benefits - all designed to increase the value of our policy to beauty salon professionals. Each policy provides substantial supplemental protection with up to $100,000 for rental property damage, $25,000 worth of identity theft protection services, and up to $1,000 for stolen/damaged equipment. Additional member benefits include a free customizable website, a discount program, and a free subscription to a Creative Age publication.

TrustPilot is a review platform we choose to use so that potential members get to see the real us - not phony reviews that are everywhere on the internet. TrustPilot is a neutral third-party and only gets verified customer reviews so you can get a true picture of the services we provide. As rated by real members of our salon insurance program, we are incredibly proud to maintain a TrustPilot rating of “Excellent” with 4.5 stars.

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 also include $2 million for product liability incidents. We have found these limits to be well-suited for the industry.

Small businesses contribute nearly half of our nation's annual gross domestic product. Even still, many do not have the financial wherewithal to be able to withstand the full cost of a liability claim being leveled against them.

A simple slip and fall case that occurs at their place of business could cost a small business owner a fortune in legal fees, payments for medical costs, additional damages, etc. Salon insurance provides small business owners with an incredibly cost-effective risk management plan, helping to divert liability for claims covered by their policy to their insurance provider. Learn more about how salon insurance benefits small business owners such as a hairstylist with our insurance guide. 

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.

• Product liability: a client demands payments for the medical bills they have incurred when they had a bad allergic reaction to a product you used during their session.

• Rental property damage: a hair curler that is left on causes heat damage to the space you are renting and the landlord asks that you pay for the damages.

• 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.

• Stolen equipment coverage: a robbery-by-force takes place that deprives you of some of your equipment. Coverage provides up to $1,000 for an incident like this with a $250 deductible.

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.