WHY DO BEAUTY AND PERSONAL CARE
NEED BUSINESS INSURANCE?
Business insurance offers you protection from a wide range of accidents and business risks. You’ll have financial help if a customer claims you caused an injury, damaged their property or caused some other type of harm while providing your personal care services.
Making sure you’re appropriately covered for your nail or hair salon means that you don’t have to pay entirely out of pocket after an incident or to defend your business.
We combine two types of liability insurance in our business insurance packages:
​
General liability is the insurance coverage most beauty salon owners buy first because it can help cover some of the costs related to accidents that cause property damage or injuries.
You’ll have financial help if a client slips on a wet floor near your washing station and gets hurt or you accidentally spill nail polish on an expensive bag.
​
Professional liability provides financial protection from accusations that made a mistake that caused financial harm. For example, it could cover defense expenses or legal judgments if a client claims your beauty and personal care services caused them to lose money.
LIABILITY INSURANCE FOR BEAUTY BUSINESSES
HOW MUCH DOES
BEAUTY INSURANCE
COST?
You can save up to 25% when you buy beauty insurance with NEXT. The exact amount you pay will depend on:
-
The types of nail or hair and beauty services you offer
-
Where you offer your services
-
How many employees you have and the kinds of work they do
-
Vehicles you drive for work
-
You can save up to 25% when you buy beauty insurance with NEXT. The exact amount you pay will depend on:
-
The types of nail or hair and beauty services you offer
-
Where you offer your services
-
How many employees you have and the kinds of work they do
-
Vehicles you drive for work
OTHER IMPORTANT BUSINESS INSURANCE COVERAGE FOR BEAUTICIANS
Liability insurance is essential for covering your bases but you may want to add other types of business insurance to protect your personal care business equipment, work vehicles and your employees.
WORKERS' COMPENSATION FOR BEAUTY SALON OWNERS
Workers’ compensation protects your employees by helping to pay some of the costs of medical bills if they get hurt or sick on the job. Workers’ comp can also help to cover their lost wages while they recover from accidentally cutting themselves with scissors.
This coverage is required for businesses with employees in every state except Texas.
COMMERCIAL AUTO INSURANCE FOR BEAUTY BUSINESSES
Commercial auto insurance is mandatory if you drive a vehicle owned by your business. If you drive to provide services at your clients’ homes or other locations, our personal car insurance won’t cover your own car if you drive it for work purposes