Salon Insurance in Texas
You’re a master of beauty. You help people feel and look their best. Beyond helping people feel beautiful, you run a business. This can include dealing with employees, purchasing product, and allowing people into your business or home. All of these things have unique risks that are only associated with your industry.
Who needs beauty salon insurance?
- Nail Salons (manicure & pedicure)
- Hair Salons
- Waxing (hair removal) Salons
- Makeup Salons
- Blow Dry Salons
- Facial Salons
- Massage Salon (typically Swedish)
- Aromatherapy Salons
Most beauty salons carry a Business Owners Insurance Policy. This policy will help protect them from a wide variety of claims and risk associated with running a salon.
Business Liability: This coverage helps protect your business from claims and lawsuits alleging injury or property damage that occurred as a result of your business operations such as slip & fall claims or property damage such as a ruined purse from hair coloring. This coverage can also include libel & slander claims.
Business Property: Insurance protection for the place where you run your business. This coverage protects your equipment, tools, computers and furniture from damage, theft and more.
Business Income: Helps cover the loss of income if your business is unable to operate because of other covered property damages.
These examples are illustrative only. In the event of a claim, coverage will be determined based on the facts and circumstances of the filed claim, and the actual policy terms and conditions.
While you focus on making people feel beautiful, let Heaton Bennett Insurance protect your salon business with a great insurance policy tailored to your beauty salon. As an Independent Insurance Agent, Heaton Bennett Insurance represents the top insurance companies. We can get your salon business an insurance quote and ensure you’re covered. Call Heaton Bennett Insurance at 512-372-8311.
Frequently Asked Questions
Can salon insurance cover injuries or reactions involving a beauty treatment?
Professional liability coverage may respond to certain covered claims involving hair, nail, waxing, skincare, or other eligible services. Coverage depends on the treatment, allegations, and policy terms.
Are independent stylists or booth renters covered?
Independent professionals and booth renters are not necessarily covered under the salon owner’s policy. Each person’s employment status, services, and insurance responsibilities should be clearly documented.
Can salon equipment and supplies be insured?
Commercial property coverage may be available for eligible chairs, styling tools, nail equipment, furniture, computers, and product inventory. Texas salons should keep their equipment and inventory values current.
Does salon insurance cover products sold to customers?
Product liability coverage may be available for certain claims alleging that a retail product caused harm. Coverage can depend on whether the salon sells, imports, relabels, or manufactures the product.
Are mobile and off-site beauty services covered?
Coverage for services performed in clients’ homes, at weddings, or at other locations varies by policy. Salon professionals should disclose mobile and off-site work to their insurance agent.