More Affordable. More Coverage.
For Your Independent Beauty Career.
Elite Beauty Society offers the number one liability insurance for independent stylists and small business owners. Whether you're the salon suite owner or a hairdresser renting a booth or chair, you'll probably need some type of beauty salon insurance.
As a hairdresser, you can be sued due to injuries the products you use cause, or something as simple and unpredictable as a client slipping and falling in your salon.
Salon Insurance for Booth Renters
As a booth, suite, or chair renter, you are functioning as your own small business within another company. As a result, you can be held liable for professional mistakes, bodily injuries, and property damage – just like any small-business owner.
Because you're not an employee of the salon or company you rent from, its insurance will not cover you. In some cases, a salon owner may require you to purchase hairdresser liability insurance in order to even rent a booth. Even if they don't, it's still a good way to protect yourself, your career, and your assets.
Save $10 with this first year introductory rate and take advantage of everything we have to offer.
$169 / YR
Lock in a rate of $139 per year, By purchasing our two year policy, with all the same benefits.
$279.95 / YR
Need to cover employees to? Elite Beauty Society has partnered with ALLSTATE for this EXPANDED coverage.
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Elite Beauty Society offers beauty insurance monthly payment options, as low as $15.49/mo.
Or call 800.326.5566 to talk to a live, U.S. based, customer service representative.
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Program tailored to independent beauty professionals.
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Salon Insurance Coverage Highlights
Additional Member Benefits Included At No Cost
Program tailored to beauty professionals.
A FREE Customizable Website
Industry Product & Tool Discounts
FREE Subscription to a Creative Age Publication
From cuts, to color, to styling, hairstylists and cosmetologists offer multiple services to support their clients.
When you purchase cosmetology insurance from Elite Beauty Insurance, you can be sure you are covered for
350+ modalities & services for one, low price.
Whether you are working in your own salon-suite, rented space, or work as an employee, or are at an event, Elite Beauty Cosmetology Insurance has you and your license covered.
Salon Insurance FAQs
Does a sole proprietor need salon liability insurance?
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.
Should hairdressers get salon insurance?
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.
Does beauty salon insurance come with any benefits?
Absolutely. Our 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.
Why does a salon need insurance?
At Elite Beauty Society, we have helped our members through many different insurance claims that have occurred during their careers and some even after members have ceased providing their services but still had claims arise (made possible through occurrence form coverage). Salons need insurance because the cost of any one claim could prove significant enough to put the salon out of business. At $159 per year, salon insurance provides incredible protection for the “what-ifs” all at one low price.
What is the best salon insurance?
A solid salon insurance plan provides good coverage for professional and general liability, as well as, product liability claims. These three coverage areas account for by far the most amount of claims that a beauty professional can face during their career. However, not stopping there, we’ve also included additional support measures that provide coverage for stolen or damaged equipment, identity recovery services, and rental property damages. The best salon insurance will combine holistic insurance coverage with a great member benefits plan, fantastic customer service, knowledgeable agents, a stress-free claims process, and then will provide it all at an affordable rate.
Why is TrustPilot important for salon insurance?
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.
What insurance limits should a salon owner get?
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.
How much is insurance for a salon?
Elite Beauty Society offers one year of coverage for $169 for professionals. Even better, our two-year option allows members the ability to lock in a $139 per year rate at just $279.95. We also offer the same solid insurance program just for beauty students for only $25 a year.
Do small business owners need salon insurance?
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.
Does a booth renter at a salon need insurance?
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.
Will my salon insurance follow me if I move states?
Yes, our 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.
What is an example of a salon insurance claim?
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.
Is an independent stylist covered under a salon’s liability insurance?
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 Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, members of which are also members of Protection Plan Association, Inc. The Identity Arthur J. Gallagher Risk Management Services, Inc. is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer.
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