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Do barbers need insurance?
Barbers who provide hair care services, including cutting, trimming, shaping and tapering their clients' hair, should get professional and general liability insurance. Problems can arise when working with clients who slip and fall at your salon or otherwise feel damaged by your services. Obtaining liability insurance is a great way to protect yourself while continuing to provide beneficial services to clients, which is especially true for barbers who work privately or own their own shop.
Related professionals we insure
Insurance policies available for Barbers:
Barbers can protect their business with two main types of liability insurance - professional and general.
Professional liability insurance for barbers
Professional liability insurance—sometimes called errors and omissions or E&O insurance—provides coverage for bodily injury, negligence, personal injury and claims against past-rendered services. Although events such as fraudulent acts and property damage aren't covered by professional liability insurance, this type of insurance is very important for anyone who regularly provides professional services or advises clients.
What if this happened to you? A barber accidentally nicks a customer’s ear and has to use a styptic pencil to stop the bleeding. Months later, the customer is diagnosed with an infection, and he sues the barber to cover his medical costs. Professional liability insurance can protect you in such a situation, by paying the client’s medical costs as well as your defense costs if necessary.
When a client reacts negatively to your services as a barber or otherwise feels as if they have been damaged in some way by the services you provide, getting sued is a possibility. Potential problems for barbers can come in many different forms but you can protect yourself by getting professional liability insurance.
General liability insurance for barbers
There are some scenarios which are not usually covered under this type of policy. General Liability—also called commercial general liability (CGL)—covers property damage, claims of bodily injury and any associated medical costs.
You could be held liable if, for example, a client slips and falls on a wet floor in your barber shop and sustains an injury, or if a client’s personal property is damaged while they are in your shop. These types of claims can be covered by a general liability insurance policy.
Your property won't usually be covered under general liability insurance, but damage sustained to third-party property typically will be.
Why do barbers choose Hiscox?
At Hiscox, we understand just how much work goes into being a barber. Whether you've opened your own business or are working in a different capacity, we can help you grow your career by reducing risk with our insurance policies, allowing you to focus on what really matters: providing top-notch barbering services to your clients.
Here are five reasons why barbers choose Hiscox above other providers for professional and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your barbershop. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
Hiscox Customer Reviews
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Very responsive, quick turnaround with coverage and price, easy to understand.
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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.