Barber Insurance

barber insurance

Barber Insurance Styled for Your Business

Whether you’re giving a trim or perfecting a fade, having barber insurance that you can tailor to your business can give you the confidence you need to run your shop.
 
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Do Barbers Have To Have Insurance?

States may require barbers to carry certain types of insurance coverage. Even if it’s not required, having business insurance is important to help protect your barbershop from claims that can come up during normal operations. Depending on your coverage, business insurance can help pay for:
 
  • Medical costs
  • Lost wages
  • Legal fees
  • Property damage
barber shop insurance

Why Do You Need Barbershop Insurance Coverage?

Barbershop insurance coverage helps protect your business from risks that you face at work every day, such as:
 
  • Working with sharp scissors and tools
  • Managing stylists, barbers and staff
  • Employee dishonesty
  • Having customers in your business
  • Stocking heavy products
barber shop insurance coverage

What Insurance Do You Need in a Barbershop?

  • Workers’ compensation insurance
  • General liability insurance
  • Barbershop professional liability insurance
  • Property insurance
  • Equipment breakdown coverage
insurance for small business owners

You Won’t Have to Wait With Us

We know how important your time is. That’s why we offer the option to get your proof of insurance instantly online.

What Barbershop Insurance Coverages Should I Have?

Most barbershops have a Business Owner’s Policy (BOP), which combines three types of coverage into one:
 
General liability insurance, which helps protect your shop from claims that it caused bodily injury or property damage to someone else.
 
Commercial property insurance to help protect the owned or rented building, tools, equipment and inventory you use to operate your business, including:
 
  • Clippers
  • Blow dryers
  • Towel-warming machines
  • Grooming chairs
Business income insurance to replace some of your lost income if you can’t operate your barbershop because of covered property loss.
 
If you run your barbershop out of your home, it’s also a good idea to look into a home-based business insurance policy. It provides more coverage than your homeowners insurance.
 

How Much Is Barbershop Insurance?

Barbershop insurance costs vary. On average, our customers paid $1,019 a year for a BOP, or about $85 a month.1 Insurers use different factors to determine costs, which can include:
 
  • Location
  • Claims history
  • Type of business
  • Policy details, like deductible amount and coverage limits
The best way to find out how much your barbershop insurance will cost is to get a quote.
barbershop insurance certificate

Small Business Barbershop Insurance

You may think you don’t need insurance coverage for your barbershop, but it helps in running a successful business. This video will help you understand the importance of small business insurance.

Taking Care of Your Barbershop Team

From standing for long hours to slips and falls, your staff faces different injury risks that can be expensive and take time to recover from. The right barber insurance can help keep your staff protected.
Barbers report frequent musculoskeletal disorders and injuries can occur within the first year of work.2
barber liability insurance

Employee Injuries

“One of my barbers started getting pain in his right wrist. It got so bad that he couldn’t stand holding the clippers for more than 10 minutes. Sure enough, he was diagnosed with carpal tunnel.”
 
Workers’ compensation insurance can help protect your employees. Plus, our preferred medical provider network makes it easy to find care, because we have over 1 million health care professionals throughout the country.
barber shop liability insurance

Client Lawsuits

“I was working on a client with sensitive skin. After cutting his hair, I used some demo shampoo to wash his head. His scalp broke out and he ended up suing me for his medical care.”
 
Professional liability helps protect you and your staff for mistakes made in the services you provide. It can help cover your legal costs or settlements and judgments made in the lawsuit.

Covering Your Barbershop Operations

There’s a lot to manage when it comes to running a small business. We know your barbershop faces many risks, like your clients getting hurt while on your property. That’s why we offer coverages that can help meet your shop’s specific needs.
A person is accidentally injured every second in the United States.3
barber public liability insurance

Customer Injuries

“After washing my client’s hair, I had him stand up to walk back over to my chair. He slipped and fell flat on his back. He said he was okay, but ended up suing our shop.”
 
General liability insurance can help protect you and your staff if someone sues your business for causing bodily injury or property damage.
barber shop workers' comp insurance

Slips and Falls

“I mopped the floor at the end of my shift like usual. On our way out, one of my employees slipped and fell on the wet tile. They ended up going to our nearby urgent care center with an aching back.”
 
Workers’ compensation can help your employees recover from a work-related injury or illness. With over 65,000 pharmacy locations in our network, your employees can easily access their prescriptions.

Covering Your Barbershop Property

From the right tools to style your hair to the right software to book appointments, your staff relies on expensive equipment. That’s why having a good barbershop insurance policy is important. Ours can help make sure you have the proper protection for your business’ property.
Every 23 seconds, a fire department in the United States responds to a fire somewhere in the nation.4
cyber liability insurance for barbers

Fire Damage

“A fire broke out in our barber shop and multiple workstations were ruined. We had to close down while we fixed the damages.”
 
Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business.
self employed barber insurance

Sprained Ankle

“Running my barber services from my house means having a space that isn’t as minimal as most shops. An older client tripped over my living room rug and sprained his ankle. And I got sued to pay the medical bills.”
 
Home-based business insurance gives your barbershop more protection than your homeowners insurance policy.

Get a Barber Insurance Quote From The Hartford

When it comes to protecting your barbershop from different kinds of risks, you need an insurance company you can rely on. We have over 200 years of experience and have helped over 1 million small business owners around the U.S. Our team is here for you at every step of the way. You can also work with an insurance agent to get the right coverage for your barbershop.
 
Find out more about other beauty and wellness professions we insure:
 
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Barber Insurance That Has Your Back

Get the protection you need to help keep your small business running smoothly and successfully.
 
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Last Updated: November 14, 2023
 
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
 
2 Journal of Occupational Medicine and Toxicology, “Musculoskeletal Health, Work-Related Risk Factors and Preventative Measures in Hairdressing: A Scoping Review”
 
3 National Safety Council, “Injury Facts: The Source for Injury Stats”
 
4 National Fire Protection Association, “Fire loss in the United States”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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