Restaurant
Beautician insurance designed to protect your business
You bless clients with the perfect style, let us protect your business with insurance.
Coverage Cowboy has you protected with beauty insurance for your business. We can get you covered instantly and guide you through the process, so you can continue perfecting your craft!
- General Liability
- Workers’ Compensation
- Professional Liability
- Commercial Auto
- Commercial Property
Save up to 30% on beautician insurance
Pay for your insurance either monthly or annually and rest assured that you will be covered if something goes wrong.
Good
Lowest Price
Commercial Auto
General Liability
Per occurence
$500,000
Workers' Compensation
Per accident
$100,000
Commercial Property
Per occurence
$25,000
Better
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurence
$1 million
Workers' Compensation
Per accident
$500,000
Commercial Property
Per occurence
$25,000
Best
Best Coverage
Commercial Auto
Combined single limit
$1 mil.
General Liability
Per occurence
$1 million.
Workers' Compensation
Per accident
$1 million.
Commercial Property
Per occurence
$25,000
We’ll help you get the insurance coverage you need for your business.
See the different policies available for beauty businesses and save up to 10% when you bundle
General Liability
Bought by 95% of business owners like you
For common risk and accident insurance coverage, general liability will protect any beautician. If you or a client gets hurt then general liability insurance will help with the financial burden of the medical bills. This also holds true for damaged property that isn’t yours!
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto
If you or an employee operates a vehicle on behalf of your business or if a vehicle is owned by your business, then commercial auto insurance is a must have. Beauty businesses often offer services in multiple locations making home visits, venue visits, and more to provide services. In these instances, the vehicles that are commonly driven to work off-site are required to have commercial auto insurance.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
If you have employees, then workers’ compensation will protect them in the event of an accident or illness. An employee accidentally cuts themself or falls and their medical bills are high. Worker’s compensation insurance will aid in paying the cost of the medical bills and recovery time off if needed. Workers’ compensation insurance is a required insurance if you have employees.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners that own or rent physical spaces
If you’re a beauty business owner who rents or owns a physical location, then commercial property insurance will assist in protecting your business’s inventory, equipment, and property if you own it. For example, commercial property insurance will financially help you if an unexpected accident happens on your property causing you to pay for property repairs costs and loss of business revenue if your business has to close for a period of time as a result until you’re safely operating again.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Frequently asked questions about beauty business insurance
Why do beauty professionals and businesses need business insurance?
There’s always an accident around the corner and we want you to be prepared and protected for those risks through business insurance. Be financially secure in the event of a customer filing a claim due to an injury, property damage or other harm with help from business insurance. In the event of an incident, it’s important to know that you and your beauty business are protected.
How much does Beauty Business Insurance cost?
The price of beauty business insurance is dependent on the following factors in order for us to give you an accurate quote: the types of services your offer, the location of your business, (if any) how many employees do you have and what do they offer, and number of work vehicles
Can I add an additional insured to my beauty business insurance coverage?
In short – yes, it is a common occurrence that beauty businesses need to frequently add insured to their coverage. We can add additional insured for you and provide certificates of insurance to promote in your business location, if needed or required.
Do I need liability insurance for a beauty business?
Liability insurance is important for a beauty business. We recommend two types of liability insurance for our beauty business clients: general liability insurance and professional liability insurance. General liability protects beauty businesses from financial burden in the event of injury or property damage. You don’t want to risk a client falling in your spa without general liability coverage. Professional liability protects your beauty business if someone makes a legal claim against you. It will aid in the financial responsibility of legal fees if you’re required to go to court and need representation.
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Check out more professions covered by Coverage Cowboy
Nail Tech
Beautician
Cosmetology
Esthetician
Hair Stylist
Barber
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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.
Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.
