Magnificence salons can supply a variety of providers, and that makes getting the appropriate insurance coverage tough. Salon house owners must search for carriers that may cowl their operations for an reasonably priced premium. We evaluated dozens of magnificence salon insurance coverage firms to see what they needed to supply and got here up with the 5 greatest.

The Hartford: Greatest Total Magnificence Salon Insurance coverage Firm

The Hartford

The Hartford earns the highest spot for salon insurance coverage firms due to its robust monetary score and its capacity to tailor protection to your distinctive operations. Along with bundling property and normal legal responsibility protection, The Hartford’s business owner’s policy (BOP) has 5 non-obligatory endorsements salon house owners can use to extend their safety, together with protection for skilled errors, knowledge breaches, and loss revenue on account of off-premises utility providers.

The Hartford Strengths

The Hartford Weaknesses

Full vary of enterprise insurance policies accessible, together with a customizable BOP

Value info solely accessible by making use of

On-line declare reporting and coverage administration accessible

No on-line chat in software

A+ (Superior) score from A.M. Greatest

No protection in Alaska or Hawaii

Visit The Hartford


Conventional BOPs mix normal legal responsibility, industrial property, and enterprise interruption insurance coverage. The Hartford goes a step additional by together with $1 million in skilled legal responsibility protection robotically. For a lot of salon house owners, this can be enough safety, however people who want further insurance policies may go to The Hartford to get:

  • Staff’ compensation
  • Information breach
  • Employed and nonowned auto


On-line quotes for The Hartford have a tendency to return in 4 ranges: Good, Higher, Greatest, and Construct Your Personal. For hair salons and barber retailers, the Good degree is a fundamental BOP plus skilled legal responsibility, and subsequent ranges add to this package deal. Relying on income, location, and different enterprise traits, we noticed the next annual premium ranges:

  • Good: $800 to $1,000 for $1 million per incidence, $2 million mixture, and $1 million skilled legal responsibility
  • Higher: $950 to $1,100 for every part within the Good degree plus employed and nonowned auto protection
  • Greatest: $1,200 to $1,400 for every part within the Higher degree plus knowledge breach protection, employment practices liability insurance, and a waiver of subrogation

Magnificence & Bodywork Insurance coverage: Greatest for Low cost Legal responsibility Insurance coverage

Beauty & Bodywork Insurance

Beauty & Bodywork Insurance is a low-cost possibility for a variety of magnificence professionals. For simply $96 per 12 months, hairstylists, estheticians, cosmetologists, and nail technicians can rise up to $3 million typically legal responsibility protection and $2,000 in property protection. College students engaged on their scientific hours can get a coverage for simply $67 per 12 months.

The Hartford Strengths

The Hartford Weaknesses

Gives low-cost salon insurance coverage insurance policies

Solely affords legal responsibility and property insurance policies

Works solely with spas and salons

Much less versatile protection limits

Makes use of a easy software with chat help

Gives few endorsements

Lists premiums upfront

Visit Beauty & Bodywork


Magnificence & Bodywork Insurance coverage makes a speciality of salon insurance coverage, providing knowledgeable and normal legal responsibility package deal that features property insurance coverage with inland marine coverage. The combination protection restrict is about at a mixed $3 million for skilled and normal legal responsibility protection and $2,000 for enterprise property and inland marine. There isn’t a lot flexibility in Magnificence & Bodywork’s protection, but it surely does supply a few endorsements for:

  • Microcurrent therapies
  • Cupping
  • Health trainers

The protection limits and endorsements appear broad sufficient for many spas and salons, however enterprise house owners are inspired to learn the coverage carefully to verify it matches their dangers.


With annual premiums of $96 for skilled stylists and $67 for college kids, Magnificence & Bodywork Insurance coverage has the bottom priced salon insurance coverage we noticed in our analysis. It’s can supply rock-bottom costs as a result of it’s a danger buying group (RPG)—primarily, a bunch of companies with related dangers that buy insurance coverage collectively.

As an RPG, Magnificence & Bodywork Insurance coverage will get to be a bit extra clear with its premiums. The opposite prices to contemplate embrace including:

  • Health coach endorsement: $33 per 12 months
  • Microcurrent endorsement: $35 per 12 months
  • Cupping endorsement: $35 per 12 months
  • Further insured: $15 per 12 months for one, $30 per 12 months for limitless further insureds

CyberPolicy: Greatest for Evaluating Insurance policies


CyberPolicy is good for beauticians who wish to store their enterprise to top-rated carriers like Chubb, biBERK, and Nationwide. Most enterprise house owners see a number of quotes after they submit an software by way of CyberPolicy. As soon as they get their quotes, salon house owners can evaluation their choices on their very own or get assist from a CyberPolicy consultant by e mail or telephone. CyberPolicy representatives are compensated on service, not gross sales, so that they’re incentivized to present neutral and useful recommendation.

CyberPolicy Strengths

CyberPolicy Weak spot

Simple software returns a number of quotes

Monetary power and claims processing varies by provider

A number of insurance policies accessible for speedy buy

Restricted hours for chat help

No brokers price

Visit CyberPolicy


Regardless of its identify, CyberPolicy can present quotes for nearly any salon insurance coverage coverage. This consists of the basic insurance policies—normal legal responsibility, skilled legal responsibility, and property insurance coverage—in addition to:


CyberPolicy is without doubt one of the solely on-line brokers that provides minimal premiums on its website, itemizing the beginning worth of BOPs, normal legal responsibility, legal responsibility at $240 per 12 months. Nevertheless, we noticed quotes within the following ranges:

  • Basic legal responsibility: $250 to $1,300 per 12 months
  • Skilled legal responsibility: $600 to $1,500 per 12 months
  • BOP: $360 to $850 per 12 months

Few enterprise house owners pay the minimal premium, and these premiums don’t appear out of line with salon insurance costs we discovered elsewhere. Moreover, CyberPolicy doesn’t cost a brokers price.

Allstate: Greatest for BOP


Allstate affords salon house owners normal legal responsibility and industrial property insurance coverage in a BOP that features protection for worker dishonesty and stolen money. Most carriers supply crime insurance as an non-obligatory protection, so Allstate is good for salon house owners who’re involved about worker theft.

Allstate Strengths

Allstate Weak spot

Robotically consists of worker dishonesty protection in BOP

Declare reporting carried out through telephone

Gives insurance policies on-line and thru native brokers

Accessible protection depending on state

A+ (Superior) score from A.M. Greatest


Visit Allstate


On-line quotes from Allstate for salon insurance coverage usually are available in three ranges:

  • Fundamental: $1 million per incidence, $2 million mixture for normal legal responsibility, and $1 million mixture for skilled legal responsibility, plus property protection limits primarily based on the worth of your business-owned property
  • Normal: Identical protection and limits as Fundamental plus enterprise interruption insurance coverage, $25,000 in worker dishonesty protection, and $10,000 for cash and securities in your premises
  • Enhanced: Identical protection and limits and the opposite two ranges plus knowledge breach protection and employment practices legal responsibility insurance coverage


Sadly, Allstate doesn’t record minimal premiums on its web site, however now we have seen quotes for its BOP between $900 and $2,000. That’s on the excessive finish in contrast to some different magnificence salon insurance coverage firms we’ve researched, however that may very well be a operate of the property insurance coverage protection. Allstate’s software affords simply three protection limits choices for enterprise property. Decreasing your restrict requires calling an agent.

Hiscox: Greatest for House-based Salons


Hairstylists who’re operating their companies out of their properties can get reasonably priced BOPs on-line by way of Hiscox. The corporate can be one of many few giant insurance coverage carriers that provides a web-based software for salon insurance coverage that’s straightforward to make use of and returns quotes inside seconds. The provider’s BOP offers protection limits of as much as $4 million and begins at $41.67 monthly. Moreover, Hiscox affords as much as 5% off for home-based companies.

Hiscox Strengths

Hiscox Weaknesses

As much as 5% low cost for home-based salons and multipolicy purchases

Key insurance policies not accessible in all states

Protection accessible for a number of magnificence providers

A (Glorious) score from A.M. Greatest

Visit Hiscox


Hiscox affords normal legal responsibility, skilled legal responsibility, and BOP with larger protection limits than a few of the different suppliers on our record, together with as much as $5 million for legal responsibility insurance policies. Plus, spas and salons is a high business for this provider, so it might probably write insurance policies for some harder-to-insure modalities, reminiscent of:

  • Acupressure
  • Esthetician providers
  • Nail technician providers

The flip facet, nevertheless, is that Hiscox can’t write these elementary insurance policies in all states. The 2 most essential insurance policies, normal legal responsibility, can be found in all places besides Alaska, however Hiscox can solely supply BOPs in 19 states and the District of Columbia.


Hiscox is exclusive amongst carriers in that it lists minimal premiums on its website, setting the beginning worth for normal legal responsibility at $350 legal responsibility at $270 per 12 months. The minimal annual premium for its BOP is $500.

Not many companies get a quote for a provider’s minimal premium, and that holds true for Hiscox legal responsibility insurance policies. We noticed normal legal responsibility quotes within the $800 to $1,900 vary legal responsibility quotes round $1,200 to $2,000 per 12 months. Quotes for BOPs, nevertheless, have been more likely to be for the $500 minimal annual premium.

How We Evaluated the Greatest Magnificence Salon Insurance coverage Firms

Our standards for one of the best salon insurance coverage begins with the 2 most essential questions salon house owners ask: How can I defend my enterprise, and the way a lot is it going to price? Along with evaluating coverage options and premiums, we additionally thought-about the monetary power of every provider as a result of that’s a sign they’ll be capable of cowl claims ought to the time come. Lastly, we checked out any options which may make shopping for and managing insurance coverage simpler, reminiscent of on-line purposes, claims reporting, and chat options.

Backside Line

Magnificence salon insurance coverage is crucial for shielding your corporation, however the price may be daunting—particularly in the event you supply providers insurance coverage firms deem too dangerous to cowl. Evaluating affords, both by making use of to a number of carriers or working with a dealer, is one of the best ways to make sure you’re getting the appropriate protection at a good worth.


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