Salon & Barber Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

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.

The majority of Vermont businesses that style or cut customers' hair ought to carry a hair salon policy.

• Building Coverage
• Contents Coverage
• Employment Practices Liability Coverage

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.

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.

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:

General Liability Coverage, which might provide protection against common accidents and some liability lawsuits
Professional Liability Coverage, which might provide protection against mistakes made while cutting hair
Product Liability Coverage, which might provide protection against damage or harm caused by sold products
Renters Liability Coverage, which might provide protection for a salon’s rented space
Building Coverage, which might provide protection for a salon-owned building
Contents Coverage, which might provide protection for equipment and supplies
Employment Practices Liability Coverage, which might provide protection against employment-related suits

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

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

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.

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.