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What is Salon & Barber Insurance?

Working as a hairdresser comes with certain risks, and it’s important to protect against those risks whenever possible. From liability to property perils, salon & barber insurance offers hairdressers in Vermont protection from a range of covered risks.

Salon & barber insurance is a specialized kind of commercial insurance that’s crafted to meet the needs of hairdressers and others who work in the industry. Policies are usually written as package policies that combine several coverages together, as this allows the policies to better protect against a variety of different risks.

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What Businesses in Vermont Need Hair Salon Insurance?

The majority of Vermont businesses that style or cut customers' hair ought to carry a hair salon policy. Some examples of such businesses include hairdressers, barbers and hairstylists. Few of these businesses are free of risk, and hair salon insurance usually offers the most appropriate coverages for these types of businesses.

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What Coverages Does Hair Salon Insurance Provide?

The exact coverages that are included in or available through a hair salon insurance policy can vary, but there are many coverages which policies commonly make available. Some of the more commonly chosen coverages include:

In addition to these, businesses may also need commercial umbrella coverage, business interruption coverage, workers compensation coverage or any number of other protections.

Do Hairdressers Who Work at Home Need Hair Salon Insurance?

In most cases, hairdressers who work out of a space in their home still need salon insurance. Homeowners insurance policies typically don’t provide robust coverage for businesses, so a separate commercial policy is usually needed when operating a home business. For a home-based hairdressing business, the right type of commercial insurance is likely a salon policy.

Hairdressers who work from their own home and need help finding a policy that provides them with the right combination of coverages should speak with an insurance agent who specializes in hair salon policies. A specialized agent will be familiar with risks that home-based hairdressers commonly are exposed to and know how to find policies that offer good protection without adding on unnecessary coverages.

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Are Hair Salon Policies Expensive?

Insurance companies base hair salon policies’ premiums on many different factors, so rates often vary from one policy to another. Some of the factors that can influence how much a specific salon must pay for insurance are:

  • Where the hair salon is located
  • What type of space the salon operates from
  • What services the salon offers
  • What coverages and limits the salon selects
  • How many previous claims the salon has filed

An independent insurance agent, who isn’t tied to any one insurer, can help salons request quotes from multiple companies. This makes comparing policies from different insurers simple and easy.

How Can Hairdressers in Vermont Get Salon & Barber Insurance?

For help insuring a hairdressing business in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents have worked with many hairdressers, and we’re ready to help you find a salon & barber insurance policy that will give your business robust protection.

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