You're building a salon business with a style all its own. Unfortunately, one surprise expense (a curling iron fire or a hair dyeing session gone wrong) could put your whole company at risk. We believe in your business and want you to have affordable insurance that protects your property, team and income so you can focus on the color of success! This guide breaks down:

Coverages required in most states
The most recommended protections
Some typical costs of beauty salon insurance
How to save money with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy beautifying!)

Beauty salon insurance protects salons from financial risks like client injuries, property damage and lawsuits.
A Business Owner’s Policy for salons saves you money by bundling general liability, property insurance, and optional business interruption coverage.
General liability insurance for hair salons covers injuries and damages caused by your business, as well as advertising-related claims.
Property insurance for salons helps replace or repair damaged equipment, furnishings, and inventory.
Workers’ compensation for salon employees is required in most states and covers staff injuries and lost wages.
Commercial umbrella insurance for salons provides extra coverage when other policies reach their limits.
Professional liability for cosmetologists (sometimes called malpractice insurance for estheticians) protects against claims of negligence or harm from services
Cyber insurance for beauty businesses covers data breaches, regulatory fines, and digital recovery costs.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR BEAUTY SALONS:

Here are five essential coverages every salon owner should consider to stay protected and profitable:

1. Business Owner's Policy

A business owner’s policy for salons (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing beauty businesses. (Note: Not all salons qualify for a BOP depending on services offered. You may need to purchase individual policies like general liability or property insurance separately.) Your BOP typically includes:

GENERAL LIABILITY for hair salons covers legal and medical costs if a client is injured or their property is damaged while visiting your salon. It also protects you from advertising-related claims. Examples:

A client slips on spilled conditioner and sprains their ankle
A stylist accidentally burns a client’s scalp with bleach
A competitor accuses you of copying their logo or slogan

PROPERTY INSURANCE for salons helps repair or replace your space and equipment if disaster strikes—fire, theft, or vandalism. Examples:

A curling iron sparks a fire that damages your styling stations
A break-in results in stolen tools and retail products
A burst pipe floods your salon and ruins flooring and supplies

BUSINESS INTERRUPTION INSURANCE replaces lost income if you need to temporarily close your salon due to covered property damage.

Beauty salon owners typically pay between $200 and $1,000 a year for general liability and may be able to save more by bundling it with other important coverages in a Business Owner's Policy. Ready to get your free quote now? CLICK HERE

2. Workers' compensation for salon employees

If you have employees, most states require workers’ compensation for salon employees. It covers medical care and lost wages for staff injured on the job – and shields you from most employee lawsuits. Examples:

A stylist strains their back lifting product boxes
A nail tech develops a respiratory issue from fumes
An assistant trips over cords and suffers a concussion

BEAUTY SALON OWNERS TYPICALLY PAY BETWEEN $500 to $1,000 A YEAR FOR WORKERS' COMP.

3. Professional liability for cosmetologists

Also known as malpractice insurance for estheticians, this coverage protects you from claims of negligence or harm related to your professional services. Examples:

A facial treatment causes a severe allergic reaction
Lash extensions result in an eye infection
A hair coloring session damages a client’s hair permanently

4. Cyber insurance

If you use online booking, store client data, or offer digital gift cards, you’re at risk for cyberattacks. Cyber insurance for beauty businesses helps you recover from data breaches, pay regulatory fines and manage PR fallout. Examples:

Hackers steal credit card info from your booking system
Your Instagram is hijacked and used for scams
Sensitive employee data is exposed due to a phishing attack

5. Commercial umbrella insurance

Think of this as insurance for your insurance! A commercial umbrella insurance for salons policy provides extra protection when other key policies reach their limits.

THE BEST INSURANCE FOR BEAUTY SALON OWNERS

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and protected over 70,000 small business owners with 100,000+ polices. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in your state – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your salon
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

Get Started

Beauty salon insurance FAQ

What beauty salon insurance is required?

If you have employees, most states require you to carry WORKERS' COMPENSATION. If you use vehicles on the job, most states require you to carry COMMERCIAL AUTO. Most states don't require you to carry GENERAL LIABILITY, but many of your contracts with landlords, partners and vendors will.

What are some typical costs of beauty salon insurance?

Beauty salons typically pay between $200 and $1,000 a year for GENERAL LIABILITY and $500 to $1,000 a year for WORKERS' COMP. A Mylo agent can help with estimates on other insurance products.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION) in a money-saving BUSINESS OWNER'S POLICY. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value.

What special risks do I have in my industry?

Your team and clients are exposed to chemical products that could cause accidental injuries. In addition, your clients depend on you for professional guidance and expertise and may take the results of your work personally if they're dissatisfied

How do I get a Certificate of Insurance (COI)?

A CERTIFICATE OF INSURANCE provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

The right coverage for you? Surprisingly simple.

Ready to untangle another tricky topic?

Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

Who pays for employee car accidents?

When employees get into accidents while driving their own cars at work, who pays? Learn about the tricky intersection between commercial and personal auto.

When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.