6 Best Beauty Salon Insurance Companies 2024

We received a beauty salon insurance quote for a specialized liability policy that costs $1,085 annually. It combined general liability and professional liability using the same limits ($1 million per occurrence and $2 million aggregate). If you paid in full, you saved $93—or you had the option to make four payments.

The Hartford provides tailored coverage to fit your specific industry—and it is large enough that it can offer 24/7 support, risk management, and other coverages your business may need, like workers’ compensation.

When it comes to the claim experience, reviewers on The Hartford’s website have given it an overall rating of 4.7 out of 5 stars from about 60,000 reviews.

If you have questions about selecting coverage, you can call The Hartford and speak with an agent or reach out to a local independent agent.

We received three beauty salon insurance quotes while researching for this article.

Two quotes carried both general liability and professional liability insurance. Each of those carried limits of $1 million per occurrence, $2 million aggregate for general liability, and $1 million total liability for professional liability. The first quote costs $2,373 annually, and the other costs $2,076.72 annually. Each quote came with the option to pay monthly.

We also received a separate quote for only professional liability from Hiscox for $970.

For services, you can manage your policy, which includes requesting a COI. Depending on the request, you can either make the change in real time or wait for assistance from a company representative.

We evaluated Simply Business’ customer satisfaction score in our rubric (3 out of 5) based on how satisfied customers are with the providers Simply Business works with. While most perform well, some have a higher-than-average level of complaints with the NAIC.

The broker is well-reviewed by its customers. Trustpilot has over 1,200 reviews for Simply Business, with an average score of 4.6 out of 5 stars.

We received a quote for an independent esthetician working in a business owned by a business.

It was for the deluxe coverage package, costing $100 annually or only $8.34 monthly. (You read that correctly: $8.34 monthly!) The policy was for a combination of general liability and professional liability. Each coverage carried the same limit of $1 million per occurrence and $2 million aggregate.

While this was the lowest quote we received while researching for this article, that doesn’t mean every business will receive the same quote. Insurance companies calculate general liability premiums based on a number of factors, including your business’ claims history, annual revenue, and number of employees, among several other details.

Next Insurance complaints are lower than the national average. Like most carriers, it allows customers to leave reviews of their experience. Next’s website features over 3,500 reviews with an average of 4.5 out of 5 stars.

Convenience is where this provider shines. You can get a quote and a policy in minutes. Once you purchase a policy, you can access your insurance documents and instantly create COIs. Next Insurance stands out from its competitors by giving you full control over your policy management, either on your phone or through its app.

While the policy offered by BBI is the most affordable policy we found, you do not sacrifice coverage. You can purchase the base policy for $96 annually or $9.99 monthly—the price can increase from there as you add coverage, but even with additions, it remains low.

The base policy has general and professional liability coverage with high limits of $3 million, plus the option to add equipment coverage. It is best for an independent stylist who rents a chair in a salon. It also includes products-completed operations with an aggregate limit of $3 million.

We also received a quote for $185 a year that included the above coverage with additional coverage to fit our needs: $2,000 for equipment, dry-cupping coverage, and unlimited additional insureds.

If you do need to speak with a licensed agent, you can call BBI Monday through Friday, from 8 a.m. to 8 p.m. EST. It also has 24/7 chat and English- and Spanish-speaking agents.

Since BBI is not a carrier, it is not subject to NAIC complaints. However, BBI reviews online are positive: on Trustpilot, it has 4 out of 5 stars.

We received a beauty salon insurance quote for general liability and professional liability. It costs $1,262 annually or $105.13 monthly. Hiscox does not charge extra for monthly payment plans. The professional liability carried a limit of $1 million and a $500 deductible, while the general liability had a total limit of $2 million. For beauty salons, Hiscox automatically includes $200,000 in sexual misconduct coverage.

Online, you can get a quote, purchase a policy, and obtain instant COIs. Hiscox has online access to policy documents and filing a claim 24/7. But if you need to speak with someone, its hours are Monday through Friday, 7 a.m. to 7 p.m. ET.

The complaints Hiscox has received are slightly higher than the national average with the NAIC. But on third-party site Feefo, the company does have positive ratings, with 4.7 out of 5 stars from over 1,100 reviews.

For a quote, you’ll need to contact a local agent. Travelers does provide a way to locate an agent in your area using your ZIP code.

Travelers’ BOP property portion includes coverage for a dwelling, so if you have a brick-and-mortar salon and are looking to insure the structure and purchase coverages like water backup, you can do so through this company. Beyond the personal care services BOP, Travelers has other coverage options for your salon, including workers’ comp, commercial auto, employment practices liability insurance (EPLI), and umbrella.

The company also has two specialized BOPs: Power Pack and Power Pack Premier. These carry 40 additional enhancement options specific to the industry.

Travelers is available nationwide and maintains a 24/7 call center for claims and customer service.

When it comes to convenience, it lags behind some of the other newer companies that have put an emphasis on the digital customer experience. You can manage your policy and file a claim online, but beyond that, the resources are limited.

The cost of salon insurance depends on many factors, including what services you provide, claims history, revenue, and the number of employees. In our research, we found liability policies running from $96 to over $1,000 annually and BOP policies ranging from about $500 to over $1,000.

Salon insurance is a combination of policies that protect your beauty salon business. In particular, hair salon insurance coverage includes general liability, professional liability, commercial property, or workers’ compensation.

If you have one or more employees, workers’ compensation insurance is likely required, as most US states require the coverage. Beyond that, coverage is optional and depends on your specific situation—but the cost of not having insurance can be much greater than paying to be covered.

A high-quality POS system will help your salon manage payments and keep track of customers. Square Appointments is our overall best recommendation, while DaySmart Salon is great for helping manage walk-in appointments and virtual consultations. You can see more in our guide to the best salon POS systems.