Beauty Services Insurance

You work hard to ensure your clients look and feel their best, from styling their hair to offering manicure or esthetician services. It’s only fitting that you want the same care applied to your business insurance coverage. Trigon’s brokers will fashion coverage that’s right for you.


Who needs beauty services insurance?

  • Hair stylists and barbers
  • Salon and spa owners
  • Estheticians
  • Makeup artists
  • Nail technicians
  • Eyebrow and eyelash technicians

What does beauty services insurance cover?

Commercial General Liability (CGL) Insurance protects business owners if they’re found responsible for any bodily injuries or property damage. Suppose there’s a “slip and fall” accident at your salon. This type of policy will cover legal expenses and damage awards.

Commercial Property Insurance protects your salon and its contents, such as furniture, equipment, and inventory, from insured perils outside your control like fire, natural disasters, and theft. It can also include business interruption coverage if your salon cannot operate because of an insured claim.

Professional Liability Insurance is also known as beauty malpractice insurance or Errors & Omissions (E&O) Insurance. It protects you against lawsuits for allegations of negligence, misconduct, or failure to deliver services as advertised.

Cyber Liability Insurance protects your business if you offer an online booking system, process credit or debit card payments or store customer data online. A Cyber Insurance policy will protect against electronic incidents like cyber-attacks and data breaches.

Frequently Asked Questions

Do I need insurance for my beauty service?

Even with proper training and certification for your beauty service, accidents and mistakes can still happen. The right insurance coverage will protect you against unforeseen events, letting you do what you do best—making your clients look their best!

Why would I need beauty malpractice insurance?

Beauty malpractice insurance, or professional liability insurance, is critical if you provide professional advice to your clientele. For example, suppose a client suffers a serious injury or scarring due to certain chemicals used during your recommended treatment. In that case, they may hold you legally responsible for any accidents or unexpected results.

Do I need insurance if I do freelance beauty services?

You sure do. Although you don’t have a set location where you perform your beauty services, you still face the same risks as salons. The potential for bodily injury during a treatment or property damage to a client’s home is the same while performing your on-site services.

Questions? Let us help you.

Speak with a broker to learn more about beauty services insurance.