If you currently rent a booth at a California salon or are thinking about renting one soon you’re going to need a policy that covers you in case something were to go wrong. We create custom tailored salon policies that include both general liability (usually at 1,000,000/2,000.000) and professional liability. A salon insurance policy can cost as low as $200 per year.
Why do I need an insurance policy? The owner of the building and the owner of the salon have their own separate polices that cover the building and protect from losses such as a fire that were to burn down the building or destroy their building property. You need your own policy to cover your liability in case you were to do something such as injure a client, completely destroy someones hair, get sued due to a horrible mistake, etc.
General Liability – Anyone renting a booth at a salon and even someone working on hair from home needs a general liability insurance policy. This type of coverage will protect you from losses that YOU are liable for. Example: You accidentally start a fire and destroy the equipment in the booth right next to yours. General liability is almost always required by the owner of the building and the owner of the salon.
Professional Liability – This type of coverage (usually included in any policy tailored for stylists) protects you from liability arising from mistakes you’ve make as the “Professional”. If a client asks for her hair to be colored brown and you accidentally color her hair pink completely ruining it YOU would be liable. If she loses her job or feels as if everyone makes fun of her than she can come after YOU because you are the professional.
How much does insurance cost for someone renting a salon booth? – Most policy premiums vary, depending on your experience, location, and the amount of exposure you have. Most policies cost anywhere from 200-450 per year. Get a free quote today from our list of over 120 different insurance carriers, we’ll need the required info below.
Years In Business:
Number of clients you service in one day:
Are you mobile or do you work only from that one location?:
Enter the above info into the contact box to the right, call us, or just email us!