When you run a beauty salon or provide hands-on services like hair styling, skincare, or nail treatments, there’s always a chance something could go wrong — from client injuries to accidental property damage. That’s why beauty salon insurance matters: it helps protect you financially and legally if an unexpected claim arises.
Salon insurance is designed to help protect beauty salons and professionals from the risks they face every day, from client injuries to property damage and legal claims. Because salon businesses involve both personal services and physical spaces, coverage often includes multiple types of protection. It typically includes:
Even with proper training and attention to detail, accidents can happen in a salon setting. A client could slip and fall in your space or claim a service caused them bodily injury, or you could accidentally damage someone else’s property — and these situations can quickly become costly.
Beauty salon insurance helps protect you from these risks, which is why many landlords, clients, and contractors expect you to carry coverage. Salon insurance provides essential protection from:
Accidents that result in bodily injury
If a client slips on a wet floor or trips over equipment, you could be responsible for medical bills, legal fees, and more.
Client injuries due to your services
A client could claim a treatment, such as a facial, lash application, or manicure, caused injury or worsened a preexisting condition.
Property damage during an appointment
If you accidentally damage a client’s belongings or a rented booth or salon space, you may have to pay for repairs or replacement.
Lawsuits, legal fees & damages
If a claim is filed against you, you may need to cover legal defense costs and potentially hefty settlements or damages.
All salon businesses and professionals can benefit from general liability insurance, including:
Berxi’s general liability insurance for beauty salons starts at just $350/year.
Your annual premium will depend on a few different factors, including:
Because we has no hidden costs or interest fees, beauty salons and professionals who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for salon insurance is to get a quote.
Berxi’s customized general liability insurance for beauty salons is designed to protect you from everyday risks, including client injuries and property damage.
You can also add optional business personal property (BPP) coverage to help pay for repairs or replacements if your tools, products, equipment, or inventory are damaged.
General liability insurance covers claims of third-party bodily injury and property damage related to your salon services and business operations, as well as personal and advertising injury (such as libel or slander). Berxi policies also include coverage for client injuries related to your services at no extra cost.
Examples include:
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help pay for repairs or replacements if your equipment, tools, inventory, and other business assets are damaged.
Examples include:
Berxi’s policies are built with salons and beauty professionals in mind. Key benefits include:
If a customer or visitor is injured at your place of business — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike other insurance providers, Berxi includes professional incident coverage for bodily injury due to your professional work as part of our general liability policies at no extra charge. That means if a client claims you caused them bodily injury during a treatment or you aggravated an existing injury, your policy can help pay for medical bills, legal defense, and damages.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as copyright infringement in your marketing materials and privacy invasion.
If your business is sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help pay for damage or loss of your equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage to your Berxi general liability insurance policy by speaking with our in-house customer support team.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, update your account information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
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— Giselle
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!” — Che
“The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy
Yes, it’s important to get general liability insurance if you rent a booth. When renting, you’re typically considered an independent contractor, which means you may not be covered under the salon’s insurance policy. Having your own insurance helps protect you from claims related to your work.
General liability covers things like slip-and-fall accidents or property damage, while professional liability (or similar coverage) typically applies to claims related to the services you provide. However, unlike other insurance companies, Berxi’s general liability policies include coverage for service-related injury claims at no extra cost. That means you don’t need to purchase a separate professional liability insurance policy to protect yourself from claims that you injured someone during an appointment or treatment.
Not automatically, but you can add affordable business personal property (BPP) coverage to your Berxi general liability insurance policy to help protect your tools, equipment, and inventory from damage.
Salon insurance can still provide coverage if you work from home or travel to clients, helping protect you from claims that may arise in different locations. It’s important to select coverage that matches how and where you operate.
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