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.

Barber trimming a customer's hair.

You create the perfect look for your customers. Now let us help you create the perfect beauty business insurance policy.

It’s a dynamic industry offering a unique experience for every customer, but for salon owners, the inherent risks demand comprehensive salon insurance. SECURA’s beauty business insurance provides the protection you need for a wide range of accidents that can occur during your daily operations. Discuss your needs with your insurance agent and design the perfect policy for your unique operations.

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.

  • Barbering — including beard grooming and trims
  • Extensions — hair or eyelashes
  • Facials
  • Hair cutting and styling
  • Hair coloring
  • Makeup application
  • Nail care — manicures and pedicures
  • Tanning
  • Waxing

Help protect your business with the right insurance coverage.

Learn how SECURA insurance can help protect your business, then find an independent agent to create a custom policy unique to your needs.

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.

Learn more about Commercial Liability

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.

More about Commercial Liability insurance


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.

More about Property insurance

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.

More about Workers’ Compensation insurance

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

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.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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