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Hairdresser Insurance

Hairdressers are essential in helping people care for and enhance their looks, particularly their hair. Their cutting, styling, and coloring hair services guide their clients to look and feel their best.

However, like all professions, hairdressers are susceptible to the risk of lawsuits from accidents, injuries, and property damage.

If you are an owner of a hair salon business, you must protect your establishment and employees. Even if you’re an individual hairstylist renting a chair in a salon, having hairdresser insurance prioritizes protecting you and your livelihood.

That’s where the Hands On Trade Association comes in. We offer comprehensive hairdresser insurance coverage designed for independent stylists and beauty professionals. At a competitive yearly rate of $185, you can safeguard your profits, savings, business, and reputation if a lawsuit develops.

Why Hairdressers Need Professional and General Liability Insurance

A hairdresser employs various skills and knowledge for each unique hair type, hair color, facial structure, and even seasonal color. More than artists, their craft is a complex system of bringing out a client's best features and personality through a stylistic expression.

However, even the most experienced hair professionals can face liability claims.

For independent hairdressers and small business owners, unexpected liability lawsuits can be financially devastating. Without professional liability insurance, a single claim could risk your business and personal finances.

With our hairdresser insurance, HandsOn Trade gives you the security and freedom to focus on growing your profession without fear of legal or financial setbacks.

Professional Liability Insurance and Services for Hairdressers and More

Professional Liability Insurance: Our coverage protects you from malpractice claims up to $2 million per occurrence.
General Liability Insurance: If you own a salon, rent a chair, or work in a spa, there’s always a risk of accidents on the premises. For example, your client may slip and fall during their appointment. Our general liability insurance covers slip-and-fall accidents and other incidents for up to $2 million per occurrence and $3 million each year.
Premises Insurance: Our premises insurance protects property damage for up to $100,000 annually.

Our professional policies are designed to protect your profession from lawsuits, whether you work in multiple locations or from home. For just $185 a year, Hands On Trade hair stylist insurance provides you peace of mind against unexpected legal troubles.

There is no need to ask for a quote, as we transparently provide our prices on our Professional Liability Insurance page. Our Student Insurance program is available for those still earning their license and certification.

We also designed our policy renewal process to be convenient for our members. To renew your policies, simply call us at 1-800-872-1282.

Exclusions to Hairdresser and Beauty Salon Insurance Coverage

While we designed our insurance policies for professional hairdresser needs, there are selected exclusions that we do not cover for Hands On Trade Members. Here are the exclusions for our hairdressing insurance:

Sexual abuse claims

Procedures involving invasive treatments

Other claims unrelated to the scope of hairdressing

See our Insurance Coverage page to review the policy in full detail.

Get the Best Hairdresser Insurance for Your Business

Protect your profits and livelihood with Hands On Trade hairdresser insurance. Sign up today to receive an instant confirmation of your coverage and downloadable insurance documents.

If you have questions or are looking for more information, you can view our additional resources:

View all professions we cover, including cosmetology insurance, massage insurance, and other coverages for workers and professionals in different industries.

Read more about coverage details and exclusions.