Beauty business insurance
Business insurance for beauty shops offering haircuts, coloring, facials, nail care, waxing, and much more. Customize a business insurance policy for your unique operations.
You create the perfect look for your customers. Now let us help you create the perfect beauty business insurance policy.
SECURA provides salon insurance for businesses offering a range of beauty services.
SECURA’s beauty business insurance coverages are ideal for salons offering many types of beauty services, such as those listed below. The list is not exhaustive, so if your business has additional services not listed, please discuss your operations with your independent agent to learn about our coverage options.
Professional Liability
A customer visits your hair salon to get their hair colored. The hairstylist, your employee, accidentally mixes the wrong products, causing severe hair damage to the customer. The customer incurs significant expenses for corrective treatments, and their hair was left in an undesirable condition.
Professional Liability insurance could help pay for financial consequences, such as claims, legal defense costs, settlement expenses, and any damages awarded to the customer, up to policy limits.
General Liability
While waiting in the reception area, a customer at your barber shop slips and falls on a wet floor. The customer sustains injuries and incurs medical expenses as a result of the accident. The customer files a lawsuit against your barber shop, alleging that your negligence in maintaining a safe environment led to the slip and fall. In this case, General Liability insurance for your barber shop would be essential — it could help cover legal defense costs, medical expenses, and any settlements or judgments that may arise from the incident, up to the policy limits.
Property
One night, a fire breaks out at your nail salon due to an electrical malfunction. The fire causes extensive damage to your salon, destroying salon equipment, furniture, and the interior space. The damage is so severe you are forced to temporarily close for repairs.
Property insurance can help cover the costs of repairing or replacing the damaged salon equipment, furniture, and other property.
Workers’ Compensation
A hairstylist employed at your salon accidentally cuts themselves while using scissors to cut a client’s hair. The cut is deep, requiring immediate medical attention, and the stylist is unable to work for an extended period during their recovery.
Workers’ Compensation is designed to cover medical expenses, rehabilitation costs, and a portion of lost wages for employees who are injured or become ill while performing their job duties. Your employee can file a work comp claim to receive compensation for their medical treatment and a percentage of their lost wages during the recovery period.
Policyholder benefits that work
Risk management services
Exceptional claims experience
Independent local agents
Why SECURA?
SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.