Barber Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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(5056 reviews)

Barber insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the barbershop insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Workers’ compensation
Commercial property
Commercial auto

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for barbers and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of barbering accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by barbershop owners.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using shaving tools that have not been sanitized, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive to different locations throughout your work day to cut hair.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Quick and Easy

It was quick and easy. Very self explanatory

Michael P.

What a great experience

Next not only was such a great premium for my customer , but they just made it so easy !! Thank you

Laura H.

Our company needed insurance. I

Our company needed insurance. I checked with four companies. This team is people got me the best parece with everything I needed. My landlord was super annoying with so many useles...

Ruben A.

Insured by Next

Quick and easy to get a quote for my business! Great customer service 👍

FABIAN C.

Great service but the lag

Great service but the lag on the phone systems needs to be fixed.

Cristobal G.

Insurance

Very easy to use the app. And thanks for the reaching out after I installed service

John W.

Business ins.

We’re prompt and very informative And right to the point

DAVID O.

Great Product

Super easy

Ronald T.

Quick and Easy

It was quick and easy. Very self explanatory

Michael P.

What a great experience

Next not only was such a great premium for my customer , but they just made it so easy !! Thank you

Laura H.

You can save up to 25% in discounts on engineering insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does barber insurance cost?

Barber insurance quotes vary based on the risks that your business faces, such as:

The types of hair care work you do
Where your barbershop is located
Your payroll and the kinds of jobs your employees do
If you use a vehicle for work

Everything you want to know about Insurance

Barber insurance requirements

Barbers are almost always required to have insurance due to the risk of injury to customers’ hair or skin or damage to their property. You might need insurance to:

Start working independently or at a barbershop. Barbershop owners might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about barber business insurance

Here are some of the most common questions we get about barbers’ liability insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect barbers?

Our barber insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You spill hair dye on a customer’s designer jacket. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A customer slips and falls on a spill near your chair. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that you cut their hair far too short, forcing them to cancel their photoshoot. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

When handling a straight razor, you slip and get a cut that requires a few stitches. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your work vehicle is vandalized while parked outside the barbershop. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Frozen pipes burst at your barbershop and cause water damage. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

More professions that are covered by ERGO NEXT

Barber, Beautician, Bridal Stylist, Cosmetology, Esthetician, Hair Stylist, Nail Technician