General Liability:
Covers claims of bodily injury or property damage occurring on your premises, such as slip-and-fall accidents or adverse reactions to beauty products. This coverage extends to incidents caused by wet floors, hot styling tools, or malfunctioning salon equipment. Additionally, it includes personal and advertising injury protection, which safeguards against claims of defamation, copyright infringement, or misleading advertising in marketing materials. The policy can also provide automatic additional insured status, ensuring landlords or third-party business partners are covered when required by contract.

Professional Liability (Errors & Omissions):
Protects against claims of negligence, dissatisfaction with services, or mishaps during treatments, like burns from styling tools or allergic reactions. This coverage is crucial for beauty professionals offering hair coloring, chemical treatments, facials, and other high-risk procedures. It includes protection for errors in executing services, failure to meet customer expectations, and adverse reactions to cosmetic products or procedures. Defense costs are also covered, even if a claim is unfounded, ensuring financial protection against potential lawsuits.

Property Insurance:
Covers salon and barber shop equipment, furniture, and retail products against theft, fire, and physical damage. This includes styling chairs, dryers, shampoo stations, mirrors, and retail inventory. In the event of a covered loss, policies can provide replacement cost coverage, ensuring damaged or stolen items are replaced with new ones of similar kind and quality. Additionally, business personal property coverage extends protection to salon supplies, including professional-grade hair tools, skincare devices, and electronic appointment systems.

Product Liability:
Provides protection if a client experiences a reaction to a product used in your services, such as hair dyes, skincare treatments, or chemical peels. This includes coverage for injuries resulting from allergic reactions, burns from chemical treatments, and infections caused by contaminated products. If your salon sells beauty products, product liability also applies to claims arising from defective or improperly labeled retail items, protecting against legal expenses and settlements.

Business Interruption Insurance:
Helps replace lost income and cover ongoing expenses if your business is temporarily closed due to a covered event, such as fire or water damage. This coverage ensures financial stability by reimbursing for rent, utilities, payroll, and lost revenue while repairs are made. Some policies may include extra expense coverage, which helps pay for temporary salon space or expedited equipment replacement to minimize downtime.

Workers’ Compensation:
Covers medical expenses and lost wages for employees injured while on the job, including repetitive strain injuries or burns. This is essential for stylists, estheticians, and nail technicians who are at risk of cuts from sharp tools, allergic reactions to chemicals, muscle strain from prolonged standing, and exposure to airborne irritants. Coverage can include rehabilitation costs, disability benefits, and employer liability protection in case of a lawsuit.

Umbrella & Excess Liability Coverage:
Provides an extra layer of liability protection by extending coverage beyond the limits of primary insurance policies, ensuring financial security in the event of substantial claims.