6 Best Beauty Salon Insurance Companies 2023

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. If you pay in full, you save $93—or there is the option for four payments. The policy had limits of $1 million per occurrence and $2 million aggregate.

The Hartford has customized salon insurance by offering a liability policy that combines general liability and professional liability insurance. It 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 that your business may need, like workers’ compensation.

Complaints filed with state departments of insurance are tracked by the National Association of Insurance Commissioners (NAIC). The Hartford has lower-than-average complaints, meaning customers are satisfied overall.

This matches with user reviews of The Hartford. When it comes to the claim experience, reviewers on its website^[1] have given it an overall rating of 4.7 out of 5 stars from 62,000 reviews.

For most policies, including ones for a beauty salon, you can get a quote and purchase the policy online. The process takes under 10 minutes. If you have questions about what coverage is right, 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 this article.

Two carried both general liability and professional liability insurance. Each of those carried limits of $1 million per occurrence and $2 million aggregate for the general liability and $1 million total liability for professional liability. One costs $2,373 yearly or $395 after a down payment of two months of coverage, and the other costs $2,076.72 annually or ten payments of $173.06 after paying for two months as a down payment.

If you prefer just professional liability, there was a separate quote for that from Hiscox for $970 annually or $80.83 for 10 months after paying for two months of coverage.

Simply Business offers insurance in all 50 states and has over 800,000 global customers. 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. It offers flexible payment options that do not necessarily require a large down payment.

By partnering with multiple top-rated carriers, Simply Business gives you the freedom to compare quotes in real time and purchase a policy online without needing to speak to anyone. If you do wish to talk to a person, it has dedicated agents who are available during weekday hours.

The broker is well-reviewed by its customers. There are nearly 700 reviews on Trustpilot^[2]] with an average score of 4.7 out of 5 stars. If you have to file a claim, you’ll need to contact the carrier directly. Helpfully, Simply Business publishes the claims contact information for all of the carriers it works with on its website.

We received a quote for the deluxe coverage package that costs $100 annually, or only $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. The quote was for an independent esthetician working in a business owned by a business.

Next Insurance is a direct-to-consumer insurance company, meaning you can purchase policies directly from it. As such, it states you save up to 25% on business insurance through it. While this was the lowest quote received while researching this article, that doesn’t mean every business will receive the same quote.

As a newer company, Next Insurance only has a few years of data with the NAIC, but its complaints are lower than the national average. Like most carriers, it allows customers to leave reviews of their experience. On its website^[3], there are currently over 5,000 reviews with an average of 4.5 out of 5 stars.

Convenience is where this provider really shines. You can get a quote and a policy in minutes. Once you purchase a policy, you have access to the documents and can instantly create COIs.

Next Insurance stands out from its competitors by giving you full control over your policy management on your phone. Its app lets you make changes, file claims, and even create and instantly share a COI. While Hiscox and The Hartford also let you create COIs, none of them have a process as seamless or quick as Next Insurance.

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

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

We received a quote for $139 a year. This included the above coverage with additional coverage to fit our needs: $2,000 for equipment, dry-cupping coverage, and unlimited additional insureds.

The purchase process takes less than 10 minutes, and coverage is available in all 50 states. Once you have purchased a policy, you have access to your documents, including a COI, and can file a claim through the online dashboard.

If you do need to speak with a licensed agent, you can call Monday through Friday, from 8 a.m. to 8 p.m. MT.

Since BBI is not a carrier, it is not subject to NAIC complaints. The carrier it works for, Great American, has lower-than-expected complaints. Also, its reviews online are positive—on Google, it has 4.7 out of 5 stars.

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 back-up, you can do so through this company. Beyond the personal care services BOP, it has other coverage options for your salon, including workers’ comp, commercial auto, EPLI, and umbrella.

It 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. It even has an ombudsman line to help resolve any specific issues with your policy or claim.

It has a reputation for strong customer service, and this can be seen in the lower-than-expected complaints as tracked by the NAIC. However, when it comes to convenience it lags behind some of the other newer companies that have put an emphasis on the digital experience. You can manage your policy and file a claim online but beyond that, the resources are limited.

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. Coverage is available on claims made or occurrence-based forms, giving you the flexibility to pick which is best for your business.

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.

Its complaints are slightly higher than the national average with the NAIC. But on third-party site feefo^[4], it does have positive ratings with 4.6 out of 5 stars from over 1,000 reviews.

The cost of salon insurance depends on many factors—including what services you provide, claims history, revenue, and number of employees. In our research, we found liability policies running from $96 to over $1,000 annually and BOP policies ranging from $500 to over $900.

Salon insurance is a combination of policies that provide protection for your beauty salon business.

• General liability covers third-party property damage and bodily injury claims
• Professional liability covers claims your service caused damage or harm
• Commercial property protects your physical assets: building, contents, and equipment
• Workers’ compensation helps employees injured on the job by covering their medical bills and providing for some wage loss

If you have one or more employees, odds are workers’ compensation insurance is required. 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.