Hair & beauty salon
Hair & beauty salon insurance — color, cuts, lashes & more.
General & professional liability for chemical services, a BOP for your space, and workers’ comp for stylists. Booth renters and full salons. Certificate same-day. Мы говорим по-русски.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Let us shop it — or start your quote online right now
Let us shop it for you (usually worth the call)
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Or quote and buy online in minutes
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
Built for chemical services and busy chairs
Color reactions, chemical burns, and lash or waxing claims are the risks that close salons. We place general and professional liability that covers your services, a Business Owners Policy for your station and retail product, and workers’ comp for your stylists — with a same-day certificate for your landlord or suite.
What it covers
General liability
Client slips, falls and accidental injuries in the salon ($1M/$2M).
Professional liability (E&O)
Color, perms, keratin, waxing and lash services that go wrong.
Product liability
Reactions to dyes, chemicals and retail products.
Business Owners Policy (BOP)
Property for stations, equipment and retail inventory, bundled with GL.
Workers’ compensation
Required once you employ stylists; covers work injuries.
How much it costs
Beauty and hair salon coverage is priced like nail salons — a BOP commonly runs around $90/month and general liability roughly $500–$1,200/year, depending on services, square footage and payroll. Chemical and lash services can raise the professional-liability portion. Bundling into a BOP usually saves 10–20%, and we shop carriers to hit the limits your suite or landlord requires.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Salon leases typically require $1M/$2M general liability with the landlord as additional insured. If you employ stylists, California requires workers’ comp. Chair and booth renters generally need their own general and professional liability rather than relying on the salon owner’s policy.
How it works
Tell us about your salon
Stylists, services (color, lashes, waxing), and lease requirements.
We build the package
GL + professional liability, BOP, workers’ comp — compared across carriers.
Get your COI same-day, where available
Additional insured added and certificate issued fast.
See how the pieces fit
Connect the service to the person doing it
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Services and products
Include coloring, chemical treatments, retail products and mobile work.
- 02
Staff and renters
Clarify whose work and business interests the proposed policy addresses.
- 03
Lease and equipment
Have lease requirements and an equipment overview ready for discussion.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much is hair/beauty salon insurance?
A BOP is commonly around $90/month and general liability roughly $500–$1,200/year, depending on services, size and payroll.
Does this cover chemical services and lashes?
Yes — professional liability covers color, perms, keratin, waxing and lash work. We tailor it to your service menu.
What does salon insurance cover?
General liability, professional liability, product liability, a BOP for your property, and workers’ comp for employees.
I rent a chair — do I need my own policy?
Usually yes. Chair/booth renters typically carry their own general and professional liability. We cover renters and owners.
Is workers’ comp required for stylists?
In California, employers with any employees must carry it. We confirm what applies to you.
Can you issue a certificate for my landlord today?
Yes — same-day, with your landlord added as additional insured.
What limits does my suite require?
Most require $1M/$2M general liability. We match those limits at the best price.