Do hairdressers need business insurance?
Hairdresser Insurance with Trusted Protection
Your chair is more than just a space, it’s a business built on skill, service, and trust. At Gild, we offer hair salon insurance designed specifically for small business owners like you. From liability to property protection, our flexible coverage makes it easy to find the right insurance for a hair salon. Whether you’re wondering what kind of insurance a hair salon needs or you’re ready to upgrade your current policy, Gild delivers expert-backed, affordable hairdressing insurance that grows with your business.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Safeguarding Every Cut, Color, and Client Visit
Every shampoo, cut, and color service introduces potential risks. That’s why Gild Insurance’s hairdressing insurance is designed to protect your business where it counts. Our flexible plans help cover liability claims, damaged equipment, and property loss. Whether you’re a solo stylist or operate a busy hair salon, we offer expert-backed coverage that supports your business today and adapts as you grow. With Gild, trusted protection is always part of the plan.
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General Liability Insurance – Covers property damage and third-party injuries.
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Tools & Equipment Coverage – Protects against theft or damage.
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Business Interruption Insurance – Helps replace lost income if you can’t operate after a covered event.
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Professional Liability Insurance – Covers financial losses arising from claims of negligence, errors, or dissatisfaction related to a service.
The best way to find your hair salon insurance cost is to get a free, online quote in minutes!
Why Your Salon Needs Hair Salon Insurance
Hair salons insurance helps protect your finances, your reputation, and your ability to keep serving clients with confidence.
- Protect Your Business Assets: A single liability claim can lead to costly legal fees that threaten everything you’ve built. The right coverage protects your finances, your equipment, and your peace of mind.
- Meet Financial and Landlord Requirements: Many landlords, lenders, and commercial clients require proof of liability coverage before signing a lease or contract.
- Meet State Insurance Requirements: Many states require salons with employees to carry workers compensation insurance. Having the proper coverage keeps you compliant with regulations and protects both you and your team if an injury occurs.
Factors Affecting Hairdressing Insurance Cost
Hairdressing insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence hairdressing insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your hairdressing insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Hair Dresser Insurance Today!
Your business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands beauty businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
Hair salon insurance is not always legally required but may be mandatory in certain cases:
- Workers' compensation is required by law in most states if you have employees.
- General liability and professional liability may be required by landlords, lenders, or state licensing boards.
Going without coverage can leave your business exposed to lawsuits or fines.
How much is hair salon insurance?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is hair salon insurance required by law?
Hair salon insurance is not always legally required but may be mandatory in certain cases:
- Workers' compensation is required by law in most states if you have employees.
- General liability and professional liability may be required by landlords, lenders, or state licensing boards.
Gild makes it simple to stay compliant with affordable, tailored coverage options that fit your salon’s setup.
What does hair salon insurance cover?
Hair salon insurance covers risks unique to your industry, including:
- Client accidents like slips or burns.
- Service mistakes, including hair damage or allergic reactions.
- Property losses, like fires, water damage, or theft of salon equipment.
- Employee injuries covered under workers' comp.
- Income protection if your salon closes due to covered events.
Gild helps protect your salon’s services, space, and reputation so you can focus on growing your business with confidence.
What insurance does a hair salon need?
At Gild, we recommend every hair salon owner protects their business with:
- General Liability Insurance to cover client injuries and accidental property damage.
- Professional Liability Insurance for claims tied to beauty services like hair treatments or chemical applications.
- Commercial Property Insurance to protect your space, equipment, and tools from theft, fire, or vandalism.
- Workers' Compensation Insurance if you have employees, covering workplace injuries.
- Business Interruption Coverage to help with lost income during unexpected closures.
Gild can help you pick a policy that fits your shop’s size, services and set-up with no guesswork required.
Let's Get The Best Insurance For Your Business!
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