Hair Stylist Insurance
Coverage built around the day-to-day risks of cutting, coloring, and styling hair.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage at your station or salon — for example, a client slipping near a wash bowl
- ✓Professional liability insurance, also called Errors & Omissions (E&O) insurance, intended to respond to allegations that a service caused harm such as a chemical burn or scalp irritation
- ✓Allegations of an allergic reaction to color, bleach, or other products used during a service
- ✓Additional-insured status that a salon owner may require if you rent a booth or chair
Coverage products commonly considered
Most hair stylist operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A client alleges a color treatment caused scalp burns and an allergic reaction. Professional liability insurance, also referred to as E&O insurance, is generally intended to respond to allegations of this nature in the event of a covered claim.
- A walk-in customer trips over a styling cart and is injured. General liability coverage is intended to address third-party bodily injury allegations of this type.
Frequently asked questions
Do hair stylists need professional liability insurance in addition to general liability?
Many stylists carry both. General liability is generally intended to address slips, trips, and property damage, while professional liability insurance — also called Errors & Omissions (E&O) insurance — is intended to respond to allegations that a service itself caused harm, such as a chemical burn or unsatisfactory result. Coverages, eligibility, and pricing vary by carrier and state.
If I rent a booth, does the salon's policy cover me?
Often it does not extend to an independent booth renter. Salons frequently require booth renters to carry their own policy and to name the salon as an additional insured. A licensed insurance professional can confirm what your arrangement calls for.
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