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Cosmetology Insurance

If you’re in the cosmetology industry, you know that there’s a lot of risk involved in the business. You’re constantly interacting directly with clients and applying treatments that affect the way they look and feel, so there’s plenty of opportunity for something to go wrong—even if no one on your staff is at fault. And there’s business risk that doesn’t involve clients, too. A fire could break out at your building and close your business for a few months. A thief could steal a bunch of equipment. An employee could get a chemical burn on the job.

Any of these incidents could result in a lawsuit and a headache, which is why you need the best cosmetology insurance for your business. A good set of cosmetology business insurance coverages can go a long way to ensuring that your business stays protected—even when things go wrong.

The most common types of professional insurance for cosmetologists

Workers' Compensation

Protects the people you hire by paying for medical expenses and lost wages if they get injured on the job.

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Business Owner's Policy

Three important coverages in one popular bundle: general liability insurance, business interruption insurance, and business property insurance.

General Liability

Protects your cosmetology business if you’re ever sued by a third party.

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Business Property

Protects your building (if you own it) as well as the equipment and other items inside.

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Business Interruption

Protects your cosmetology business if you’re forced to close for a covered reason.

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How much is insurance for a cosmetology business?

The cost of cosmetology business insurance depends on where you are and how big your payroll is, but it’s generally pretty affordable (especially if you purchase it online). With Huckleberry, cosmetology businesses have paid as little as $27 per month for their workers’ compensation insurance and $42 per month for their Business Owner’s Policy (which includes general liability and business interruption coverage).

Cosmetology Insurance Q&A

• What is covered by a cosmetology insurance policy?

First, there isn’t a single, all-inclusive policy that will cover every risk your cosmetology business faces, but most cosmetology businesses purchase general liability, business property insurance, and business interruption coverage—all of which are included in a Business Owner’s Policy.

And if you have employees, don’t forget a workers’ compensation insurance policy. It’s required almost everywhere (and provides crucial liability coverage for your business).

• I need a Certificate of Insurance. How do I get it, and does it cost extra?

It’s easy and absolutely free to get a Certificate of Insurance if you’re a Huckleberry customer. Just visit our Certificate of Insurance page, where you’ll be able to generate as many copies as you like. (We’ll even email them to clients or landlords on your behalf, so you can get back to running your business.)

• Who is Huckleberry Insurance?

Huckleberry sells fast, simple small business insurance. Everything is 100% online and 100% easy.

What's better about Huckleberry

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