Hairdresser and Beautician Insurance for Independent Contractors

Do I need hairdresser insurance?

Yes! Hairdresser, beautician, or barber insurance protects you and your livelihood. Defending a liability claim can easily cost thousands to hundreds of thousands of dollars. By not having professional hairdresser insurance, you risk losing your hard-earned business, future earnings, and even your reputation. Not to mention your credit score could suffer, making it harder to get back on your feet.

What kind of insurance is best for hairdressers and barbers?

What coverage do I need?

• Professional liability insurance- Hairdresser liability insurance will cover any potential risk that comes with your profession. If, for example, a client who is cut or burned during styling seeks damages from you for a bodily injury or emotional distress claim, professional liability insurance will protect you.
• General liability insurance- All small businesses should have general liability insurance. This insurance will protect you if anyone is injured because they tripped over your chair or one of your cords. It will also cover property damage if, for example, you spill hair dye on a client’s expensive suit or designer handbag.
• Business personal property insurance- Even though you rent, you have equipment, tools, and supplies to cover if there's a fire or other covered loss.

Do booth renters and chair renters need insurance?

Definitely! In fact, many owners of rented space at salons or booths require it for hairdressers who rent a chair. Even if they don't, you should still have insurance because renting a chair or booth puts you at risk for the same common incidents that affect hairdressers who own a salon.

Specific services covered for beauticians, barbers, and hairdressers

• Chemical Wave
• Children
• Custom Wrap
• Design, Cut & Style
• Flash or Balayage Highlights
• Hair Bleaching
• Hair Coloring
• Hair Treatments
• Hair Shaping
• Instruction
• Permanent Wave
• Shampooing
• Straightening
• Thermal Styling
• Waves
• Weave
• Wet Styling
• Wig Stylist

While West Bend covers many types of services provided by hairdressers, it’s important to understand what may NOT be covered in order to make good decisions about your business operations. When it comes to beauty liability, common exclusions include:

Acupuncture, botox, cellulite treatments, laser equipment, tattooing, body piercing, medical services, permanent cosmetics, microblading, and cryotherapy.

Why choose West Bend for your hairdresser insurance?

With an insurance policy from West Bend, you'll have the valuable coverage you need to protect your equipment and the services you provide your valued customers. And getting that coverage is fast and easy!

West Bend's insurance program for hairdressers provides all the coverages you need and the best services available. West Bend’s mission is to provide peace of mind to our customers through sound insurance and superior service. Your satisfaction helps determine our success.

Ready? Connect with a Silver Lining agent now!