Straightforward Insurance for Barbershop & Salon Business Owners
Tailored Protection for Beauty Professionals. Protect your shop. Protect your craft.
Your clients trust you to help them look and feel their best, and you should have the same confidence in your insurance coverage. Our Businessowners Policy (BOP) is built for salons, barbershops, and beauty businesses like yours, so you can keep the doors open and the chairs full no matter what happens.
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Why Salon & Barbershop Owners Need a BOP
These real-life scenarios could happen…
Without BOP, the barbershop owner might face hefty medical bills and potential legal actions. With coverage, medical expenses and legal fees are handled, allowing the business to stay afloat.
A BOP would cover the property damage and loss of income during the closure, ensuring the barbershop can recover without crippling financial setbacks.
Professional Liability Coverage helps cover the client’s medical expenses and compensation for their injuries.
Many landlords want tenants to carry insurance before signing a lease. Our BOP includes general liability coverage, which not only protects your business if someone gets hurt or property is damaged, it also provides proof of insurance you can share with your landlord.
Our BOP includes property insurance that helps pay to repair or replace your business equipment, tools, furniture, or inventory if they’re damaged by fire, theft, or other covered events.
…BOP keeps you covered!
A BOP combines the most important coverages into one convenient, cost-effective policy that’s perfect for small to mid-sized beauty businesses.
General Liability
Protects you from claims involving:
● Customer slip-and-fall injuries
● Damage to a client’s property
● Legal fees and settlements
Commercial Property Coverage
Protects your:
● Salon or shop space (owned or leased)
● Chairs, clippers, dryers, color stations, signage
● Inventory like hair products and tools
Professional Liability
Optional, Normally Excluded by BOP Policies
Covers you from claims arising from salon services such as:
● Hair shampooing, conditioning
● Cutting, styling, dyeing
● Advice on any of those services*
*Limitations apply to covered services. Coverage extends to renters of the policy holder.
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Real Risks Need Real Protection
Picture this:
- A client trips over a cord and breaks their wrist.
- A fire damages your styling stations and destroys product inventory
- A hair color treatment causes an allergic reaction.
Without the right coverage, you could be paying out-of-pocket for thousands in repairs, legal costs, or lost income. With BOP, you’re covered.
Specialized for YOUR Needs as a Beauty Professional
We understand the unique needs of beauty professionals. Our policies are designed for:
- Beauty Parlors and Hair Salons
- Barbershops
- Nail salons
- Mobile stylists and booth/chair renters
- Barber or Beauty Shop Supplies Distributors
- Cosmetics, Hair or Skin Preparation
At Berkley Small Business, we combine industry-specific expertise with modern technology to make getting insured fast, easy, and stress-free.
Why Choose Berkley Small Business?
We specialize in beauty and grooming businesses like yours.
Get covered quickly with minimal paperwork.
Our team is here to answer your questions and guide you every step of the way.
Berkley Small Business Solutions is a member of W. R. Berkley Corporation, whose insurance company subsidiaries are rated A+ (Superior), Financial Size Category XV by A.M. Best Company and A+ (Strong) by Standard & Poor’s.
Protect Your Passion AND Your Profits
Don’t wait until something goes wrong. BOP is the easiest way to protect your equipment, your space, and your livelihood.
How it Works – 3 Easy Steps
1
Get a
Quote
Quick online form with basic business details.
2
Customize Your Coverage
Customize Your Coverage with a licensed independent agent. Choose options that fit your shop’s size and services.
3
Start Your Policy
Get year-round peace of mind in minutes.
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