Why Hair Salons Need Business Insurance
Beyond making customers feel beautiful, salon owners have a broad range of responsibilities including managing professional staff, monitoring finances, purchasing, stocking, displaying hair, beauty, and grooming products, all of which can expose your business to unique risks. This is in addition to the usual issues most businesses deal with like workplace property damage or loss of important client files or other business records. 
Business Owner’s Policy
​Most hair salons have a Business Owner’s Policy (BOP). Why? Because it helps protect your beauty business in much the same way a homeowner’s insurance policy helps protect your home and personal possessions.
By combining three basic insurance coverages that are important to virtually every small business, including beauty salons, a Business Owner’s Policy (BOP) can help save you money while safeguarding the salon business you’ve worked so hard to build.

  1. General Liability – helps protect your hair salon from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer falls and is hurt while in your salon or an employee spills hair color and ruins a customer’s purse or clothing. It even helps cover certain claims of slander and libel against your business. Business Liability does not cover liabilities directly arising out of the professional salon services you may provide.
  2. Commercial Property – helps protect the place where your run your hair salon and the tools and equipment you use to conduct business, like furniture, styling brushes, curling irons, and computers – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your salon business because of covered property damage.

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Honesti Owens, Ph.D.
Commercial Specialist, P&C Instructor,  & Notary
Licensed Agent, Accident, Sickness, Casualty, Life & Property
AL, FL, GA, IN, LA, MD, NJ, OH, SC, TN, TX, VA