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Tailored Insurance for SMALL SALON OWNERS

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Salon Insurance



Salon insurance is essential if you own a small beauty salon or similar business. You can be sued – even if you have done nothing wrong. As a salon owner you can be sued over anything from a haircut gone wrong, to serious injury to the client’s scalp; even slipping and mistakenly injuring your customer can make you liable.  Your best solution is to protect yourself with salon insurance.

 

What kind of Liability Insurance is best for you?

 

The coverage that is best for you depends on the details of your business. Many Hiscox customers optimize their salon insurance by choosing both professional liability and general liability policies. To assure that you get the best coverage for your business, see the examples below.

 

Professional Liability Insurance 

Sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for salon owners? Examples include:

  • Protection even if you haven’t made a mistake: A small salon owner is dying a client’s hair and leaves the treatment on for too long, which results in scalp burns and hair damage. The client sues for emotional distress, bodily injury from the burns, and loss of wages because she could not return to work. Professional liability insurance, sometimes called errors and omissions insurance, could protect you if such a claim is made.
  • Loss of personal information: By mistake, you misplace client’s personal financial information. It was an accident of course, but the information is compromised, and your client is exposed to fraud. If your client sues you, we will cover claims subject to your limit of insurance.

 

Salon insurance protects salon owners if they are sued for making a mistake - whether you actually made a mistake or not, and such a lawsuit can arise months or years after the event allegedly took place.  

 

Learn more about professional liability insurance or watch our professional liability insurance guide.

 

General Liability Insurance 

Sometimes called commercial general liability (CGL) is salon insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of salon insurance is beneficial in several instances:

  • Claims of emotional distress, expenses and lost work: A small salon is cutting the hair of a regular client. The client tells the shop owner that she is waiting for an important phone call about a new job opportunity. When the receptionist alerts the client about the call, she runs to the phone, trips over an electrical cord and fractures her ankle. She makes a claim against the shop owner for emotional distress, medical expenses and lost work. General liability insurance could protect you against such claims made by another person.
  • Property damage: You’re visiting a client’s home for a makeover and accidentally knock over a piece of art work, breaking it. Your general liability policy will cover the subsequent claim, up to your policy's limits of liability.

 

Learn more about general liability insurance or watch our general liability insurance guide.

  

Why Hiscox?

You need professional liability and general liability coverages to watch out for your salon, just like you watch out for your clients. Hiscox is here to do just that.

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored Insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  •  Trust Us: Hiscox maintains a 97% customer satisfaction ranking, and we’re rated ‘A’ (Excellent) by A.M. Best. This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them.

 

Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.

 

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!

866-283-7545

Mon-Fri: 8am - 10pm EST