Cosmetology Insurance
Find cosmetology and beauty salon coverage for your business. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Do I Need Cosmetology Insurance?
Unfortunate events can happen from time to time, but they can turn ugly for cosmetologists. An allergic reaction to a face cream, a customer falls or gets hurt in your salon, or equipment is damaged or stolen. We can help with the types of insurance coverages beauty industry professionals need to protect their businesses.
What Type of Cosmetology Insurance Do I Need?
General Liability Insurance
A foundational beauty business insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Professional Liability Insurance
Also called errors and omissions, this is coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their clients.
Workers’ Comp Insurance
This type of coverage is for employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Business Owner’s Policy Insurance (BOP)
This policy bundles general liability, business interruption, and commercial property coverage. It’s a convenient choice for a business owner wanting a lot of coverage under one roof — especially if they rent or own their business location.
Why Should I Get Beauty Industry Insurance?
As a cosmetologist, you’re likely exposed to a lot of risks that may not be immediately obvious. Cosmetology insurance can be valuable protection for your clients, your business, and your wallet.
Here are some reasons why:
Damage to your business’s property
A snowstorm hits, and the weight of the snow causes part of your salon’s roof to collapse. If you’re carrying BOP insurance, it can help cover this weather-related loss, as well as the lost income as a result of the temporary business closure.
Mistakes made in the course of work
Licensed cosmetologists frequently work with harsh chemicals. You’re giving your client a facial when suddenly they experience an allergic reaction — requiring medical attention. A professional liability policy could help you cover the medical bills and even legal costs.
Injured or sick employees
It’s a busy day at your salon. In the hustle and bustle, one of your employees slips and falls on the wet floor, injuring their ankle. Having workers’ compensation coverage as part of your beauty salon insurance can help cover the employee’s medical costs, as well as make up for lost wages if they need to miss work.
Even if you’re a solo cosmetologist, we also recommend adding workers’ comp to your beautician insurance to take care of yourself, especially since many health insurance policies don’t cover work-related injuries.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Cosmetology Coverage Cost?
Try our Beauty Industry Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Cosmetology Insurance Questions
Is cosmetology insurance required by law?
It depends. Some states may require you to carry cosmetology insurance before you begin offering your services, so first check with your jurisdiction. In addition, if you want to work with most established salons, wedding venues, or rent a space for yourself, you may need to provide proof of insurance.
How much does cosmetology insurance cost?
The cost for your insurance coverage is largely determined by the type of work you do, the kinds of risks you’re exposed to, and the number of employees you have on your payroll.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices for online garage coverage in just 10 minutes right here.
What should I consider before buying cosmetology insurance?
If you’re thinking of buying business insurance, we recommend having the following information on hand when using our cosmetology insurance calculator:
- State where you do business
- Your type of business or trade
- Annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting salon location, we can help find the coverage you need for your beautician business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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More Helpful Information for Beauty Industry Professionals
5-minute read
A General Liability Insurance Guide for Small Business
4-minute read
The Basics of Workers’ Comp
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.