Insurance for Barber / Nail / Beauty Shops
Barber shops, hair or nail salons, and independent contractors can obtain obtain coverage with a $0 liability deductible with no premise limitation.
Target Risks: (Not limited to those below)
- Risks with revenues up to $3,000,000
- Beauticians/Barbers/Manicurists/Massage Therapy – Independent Contractors
- Hair Styling Salons
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Located in AK, LA or WV
- Removal of hair by electrolysis
- Eyelash extensions
- Student operators
- Products sold under the applicant’s own name or label
Coverages Available For Beauty Salon/Barber Shop
- General and professional liability limits up to $1,000,000 occurrence/$2,000,000 aggregate
- Property limits up to $3,000,000 (Property Coverage with Wind not available in FL)
Optional Coverage For Beauty Salon/Barber Shop
- Professional liability
- Loss of income - is on actual loss sustained basis up to a stated limit
- Hired and non-owned auto up to $1,000,000
- Money and securities coverage
- Equipment breakdown
- Excess/Umbrella up to $5,000,000
Claim Example for Barber / Nail / Beauty Shops
General Liability: A patron at a nail salon was receiving a manicure. As she stood up, she fainted from the fumes causing fractures to her face. Medical costs were $150,000 after reconstructive facial surgery. A hair stylist was providing hair cutting services to her customer. As it was very busy that day, the stylist was not able to sweep up the hair before accepting the next customer. The next customer slipped and broke his wrist as he tried to catch himself. As he was a computer programmer and not able to perform his duties, medical and lost wage costs were $50,000.
Professional Liability: A patron came in to receive a pedicure. Unknown to the nail technician, the patron had a skin disease. The pedicure procedure aggravated the skin which caused an infection. The patron required $25,000 in medical costs. The hair stylist used her normal hair dying solution on a new customer. The customer ended up having a severe allergic reaction to the chemicals and was hospitalized for two days. The medical and loss wage costs were $20,000.
Property: The nail salon’s, written on special coverage form, pipe broke from the pedicure chair causing damage to the insured’s property. The cost to replace the damaged items was $5,000. A stylist did not unplug his hair dryer when he left the salon. The dryer short-circuited and caused $20,000 in damage to the salon.