As a hair salon owner, you put time, creativity, and skill into helping your clients look and feel their best. But with hands-on services like hairdressing, there’s always a chance something could go wrong — from client injuries to accidental property damage. That’s why insurance for hair salons is so important: it helps protect you financially and legally if an unexpected claim arises.
No matter how careful you are, accidents can happen while running a salon or providing hair services. A visitor could slip on a wet floor, you could accidentally damage someone else’s property, or a client could even claim they were injured due to your services. Situations like these can quickly become expensive, especially if a lawsuit follows.
General liability insurance for hair salons helps protect against these common risks, which is why many landlords and clients expect you to carry coverage. Berxi’s general liability insurance for hair salons provides essential protection from:
Accidents That Result in Bodily Injury
If a client, delivery person, or visitor slips on a wet floor, trips over a power cord, or is otherwise injured at your salon, you could be responsible for medical expenses — as well as legal fees, settlements, and other damages if you’re sued.
Client Injuries due to Your Services
A client could claim that a hair coloring treatment caused a scalp injury, a chemical service resulted in a reaction, or a styling service caused bodily injury. Even if the claim is unfounded, you may still face legal expenses and other costs of defending yourself.
Damage to Someone Else’s Property
Accidents happen in busy salon environments. If you accidentally spill hair color on a client’s designer handbag, damage a customer’s coat, or cause damage to a rented salon space, you could be responsible for repairs and other costs.
Personal & Advertising Injury Claims
Your marketing activities can sometimes create unexpected risks. For example, someone could claim you infringed on a copyright in your advertising or inadvertently harmed their reputation. General liability insurance can help pay legal defense and damages.
Hair salon insurance from Berxi is designed for small businesses, including:
Berxi’s customized general liability insurance for hair salons is designed to help protect you from common business risks, including client injuries, property damage, and other unexpected incidents that can arise while serving clients.
You can also add optional business personal property (BPP) coverage to help pay for repairs or replacements if your styling tools, furnishings, computers, inventory, or other business assets are damaged.
General liability insurance for hair salons helps cover claims of third-party bodily injury and property damage related to your salon services and business operations, as well as personal and advertising injury claims, such as libel, slander, and copyright infringement in your marketing materials. Plus, unlike most insurance companies, Berxi’s general liability policies include coverage for client injuries related to your services at no additional 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 supplies, equipment, furnishings, inventory, and other business assets are damaged.
Examples include:
Berxi’s hair salon insurance policies are built with small hair salons 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, as well as legal defense and damages in the event of a lawsuit.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike most 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 styling treatment, 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 privacy invasion and copyright infringement in your advertising.
If you are 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 you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your hair salon will be protected from general liability claims resulting from employee action. For instance, 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 add-on, which can help pay for damage or loss of your equipment, furnishings, computers, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can choose to add workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
Berxi’s general liability insurance for hair salons starts at $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, hair salons who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for hair salon insurance is to get a quote.
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
If you collect sensitive client information, process payments online, or use an online booking system, you could be at risk of a data breach or cyberattack. If that happens, cyber liability insurance can help cover the costs of notifying clients, legal fees, credit monitoring services, and even reputational damage. You can add optional cyber coverage from one of our partners to your Berxi general liability policy.
If you have company cars for your hair salon, you’ll need commercial auto insurance to protect them. In addition, if you don’t own a salon but you regularly drive your personal vehicle to client homes or elsewhere for work, your personal auto policy may not cover you in an accident while using your vehicle for business. A commercial auto policy can help protect you from out-of-pocket costs for injuries, vehicle damage, and liability if something goes wrong on the road.
Commercial property insurance helps protect your business premises from risks such as theft, fire, or certain other types of damage. If you own a hair salon, commercial property insurance can help protect you from potentially devastating financial losses.
With a financial strength rating of A++ from 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, businesses that choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, download proof of insurance, 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, answer a few quick questions about your hair salon. 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 download your certificate of insurance, update your information, or file claims — right from your phone or computer.
“The best service one can ask for, provided without hesitation.”
—
Giselle
“I am setting up a new business, and Berxi made the process completely seamless. This was truly a huge relief and something I could check off my to-do list immediately.”
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Tara
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che
Yes, it’s recommended. Even if you rent a booth or salon suite and don’t own the salon itself, you can still be held responsible for accidents or claims that arise from your business activities. Many salon owners and landlords also require independent stylists to carry their own liability insurance before renting space.
Yes, if you accidentally damage a client’s personal property while providing services, your general liability insurance may help cover the cost of repairs or replacement. For example, coverage may apply if hair color spills onto a client’s designer handbag or if you accidentally damage another person’s property while working.
Yes. Hairdressers who provide mobile services, such as in-home appointments, wedding styling, photo shoots, or special events, can still benefit from liability insurance. Coverage can help protect you if an accident causes bodily injury or property damage while you’re working away from your primary salon location.
General liability insurance does not cover damage to your own tools and equipment. However, you can add optional business personal property (BPP) coverage to your Berxi policy to help repair or replace covered business assets, such as hair dryers, clippers, curling irons, styling tools, laptops, salon furniture, and retail inventory if they’re damaged.
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