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Beauty Salon Insurance & Day Spa Insurance

Beauty Salon Insurance & Day Spa Insurance Liability
By: Allen Financial Insurance Group

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Insurance for your Salon and Day Spa!

Your clients depend on you to help them look and feel their best. They trust you to make sure appointments run on time. When it comes to protecting your salon or shop, you also want the best. Look to AFIG as your resource to provide the right kind of beauty salon insurance or day spa insurance for your business. While you may have faithful customers and always follow directions, accidents happen all the time. While you focus on your customers and your business, it’s important to have the right beauty salon insurance to protect you from financial losses. The Ultra Beauty Salon Insurance & Spa Insurance policy is exactly that. A rated, national program created to meet the unique needs of the Beauty Salon and Spa industry. This program was designed by beauty salon professionals for salon professionals. 

Who needs Beauty Salon Insurance?

Salon insurance is essential if you own a small beauty salon or similar business. This is because you can be sued as a business owner – even if you have done nothing wrong. As a salon owner, a client may consider you liable for a haircut gone wrong, causing serious injury to the client’s scalp, even slip and fall injuries to your customers can make you liable. Your best solution is to protect yourself with salon insurance.

Fortunately, AFIG understands what it takes to insure beauty salons and help their owners take control of their businesses. Each beauty salon is unique, and we are able to help you prepare for unfortunate situations that could arise as a result of the services you provide.

Salon owners may offer services related to hair, nails, facial treatments, body treatments, and various other spa services. Therefore, you may also be interested in the specific types of beauty salon insurance that we provide to professionals in this industry. Take a look at the offerings below.


Our mission is to support beauty and wellness professionals by offering an instant, affordable liability insurance solution.

Why Hair Salons & Day Spa need Insurance?

Beyond making customers feel beautiful, salon owners have a broad range of responsibilities including managing professional staff, monitoring finances, purchasing, stocking, displaying hair, beauty, and grooming products, all of which can expose your business to unique risks. This is in addition to the usual issues most businesses deal with like workplace property damage or loss of important client files or other business records. Learn about hair salon insurance coverage small business owners like you typically need, and most often purchase, from AFIG.

Who needs Day Spa Insurance? 

People come to your day spa to relax. While you do your best to maintain a soothing atmosphere, there are plenty of things that could go wrong. A customer could slip while exiting the sauna. An employee could develop an allergic reaction to massage oil. A windstorm could tear the roof off your building, leading to costly repairs and damaged spa equipment.

Highest Quality, Broadest Coverage & Lowest Prices

As a beauty salon owner, or as an Independent Contractor working in a Beauty Salon, sometimes the unexpected happens. Not being prepared could be fatal to your business and your finances. Examples of the unexpected accident in a salon is lurking at every turn: it may be a dissatisfied customer who files a claim, a skin or eye burn or eye rash from a chemical used, a customer slips and falls in your spa or salon, or even damage to your building. Whether or not something genuinely goes wrong, an accident happens, or you are just wrongfully accused, by protecting your business, you are also protecting your financial livelihood and your future.

Hair Salon Insurance Is Important

  • There are more than 86,000 hair salons in the U.S., including 4,000 barber shops.
  • Combined hair salon revenue for 2012 was $20 billion.
  • The hair salon industry is mostly comprised of small businesses, with the top 50 chains accounting for only 15% of total revenue.
  • 80% of hair salons have fewer than five employees.

Most U.S. hair salons are one-shop businesses, or small, local chains. Their small size makes them more vulnerable to financial loss due to fire, storm, break-in or lawsuit.

Occurrence $1,000,000 – $2,000,000
General Aggregate $1,000,000 – $2,000,000
Aggregate Products/Operations $1,000,000 
Personal Injury /
Advertising Injury
Medical $1,000
Damage To Premises Rented To You $100,000

Example Professions We Insure

The beauty industry is all glitz and glam on the outside with lots of serious business on the inside. You’ve dedicated your career to helping people look good and feel great about their appearance, and AFIG is dedicated to providing you with small business insurance that’s customized to your specific needs. We cover a range of beauty industry professions, including (but not limited to):

  • Barbers
  • Cosmetologists/Beauticians
  • Estheticians
  • Hair Dressers/Hair Stylists
  • Nail Technicians
  • Small Salon Owners
  • Spa Owners

Salon Insurance Business Owner’s Policy

Most hair salons have a Business Owner’s Policy (BOP). Why? Because it helps protect your beauty business in much the same way a homeowner’s insurance policy helps protect your home and personal possessions.
By combining three basic insurance coverages that are important to virtually every small business, including beauty salons, a Business Owner’s Policy (BOP) can help save you money while safeguarding the salon business you’ve worked so hard to build.
  1. General Liability – helps protect your hair salon from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer falls and is hurt while in your salon or an employee spills hair color and ruins a customer’s purse or clothing. It even helps cover certain claims of slander and libel against your business. Business Liability does not cover liabilities directly arising out of the professional salon services you may provide.
  2. Commercial Property – helps protect the place where your run your hair salon and the tools and equipment you use to conduct business, like furniture, styling brushes, curling irons, and computers – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your salon business because of covered property damage.
Learn more about our Business Owner’s Policy for your hair salon business.

Why day spa insurance professionals choose AFIG:

Feel more confident with every treatment you provide. Here are a few of the many reasons why beauty business owners like you love working with AFIG.

  • Buy Direct: Get the right insurance immediately. Find the right insurance policy online, and get direct coverage in real time so you can focus on your work.
  • Confidence:  “A” (Excellent) by A.M. Best. 
  • Customized Coverage: We tailor our professional insurance to the risk you’ll face in your industry.
  • Competitive Rates:This small investment can make a huge difference in the sustainability and longevity of your spa or salon.
Coverage Guidelines
  • All beauticians, barbers, aestheticians and massage therapists must be licensed if required by the state.
  • Services covered may include hair, nails, facials, electrology, permanent make-up, microdermabrasion, massage, tanning and limited spa services.
  • Spray tanning is acceptable.

Special Salon Insurance:

Depending on the types of services you provide, you may need some or all of the following types of insurance for beauty salons:

  • Drain and sewer backups: If you own a hair salon or barber shop, special coverage options may be a good choice, such as drain and sewer backup coverage to pay for the costs of water damage to your walls and floors if your drains become clogged with hair.
  • Fire liability: If you own a spa or esthetician services salonan use candles and flammable oils, you probably need fire liability coverage. If you are sued over a fire that starts within the walls of your business, your legal fees and settlement are covered, up to the limits of your policy.
  • Equipment breakdown coverage: If your salon is dependent on equipment such as tanning beds, computers and other machines for revenue, equipment breakdown coverage could be a good investment. This coverage ensures that you can get the gadgets you need back online quickly without emptying your bank account.
  • Inland marine: Provides financial protection for equipment that is in transit or in storage. If your employees perform esthetician services, hair care, or spa services in outside locations, such as weddings and private homes, inland marine coverage protects you from equipment loss on the go.
  • Professional Liability: Scissors, chemicals and hot surfaces means errors and omissions can happen in a hair salon. You can be sued for damages and expenses resulting from the professional beauty services you and your staff provide, or the failure of your professional services to perform as intended, even if you’ve done nothing wrong. If you are sued, Professional Liability insurance provides financial protection that can help protect your salon’s assets and help cover the cost of your defense in the event of a lawsuit.
  • Data Breach: Hair salon businesses may store sensitive information about their employees, stylists, manicurists, and clients. This data can include Social Security and debit/credit card numbers. If this information is lost or stolen, it could leave your salon business vulnerable to lawsuits and a damaged reputation.

Beauty Salon Insurance 
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