HAIR STYLIST INSURANCE

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

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Workers' Compensation Insurance

Workers' Compensation

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Business Owner’s Policy

Business Owner's Policy

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Commercial Auto Insurance

Commercial Auto

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More Insurance Coverage

Other Coverages

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Hair stylist insurance

Hair stylist insurance designed to protect your business

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

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation
  • Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different hairdressing business insurance policies available and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of hairstyling accidents and basic risks. You’ll have financial protection if one of your clients gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by salon owners if you rent a chair at their salon.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Bought by 80% of business owners like you
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 dye that damages a client’s hair, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

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 are driving for business purposes — for example, if you scrape the side of a car while pulling into a parking space at the salon.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

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

Great

Great

Lea N.

Great value!

Super affordable when everything seems to be so expensive these days.

Stacey H.

Outstanding Service

Quote was quick and rate was super.

Joyce Y.

Business Insurance

Scott Webb did a great job! Thank you Scott!!

Joye M.

Worthy of purchasing

As a small business owner, NEXT was the easier, cost efficient, no hassle commercial insurance purchase ever. I was able to secure contracts for my company by showing my certificat...

kammaria o.

Good

Good

Cherjaun S.

Five stars

The Agent from AIB was terrific and proficient name Giorgio Romita

Maria R.

Great deal and Great Offers!

Anna was so much help and very informative. I will be referring her to all me fellow salon stylists for there business insurance.

Liliana S.

Great prices!

Great prices!

Christie B.

Fabulous!

Very professional efficient and courteous I would recommend for sure!

Gayle P.

You can save up to 25% in discounts on hair stylist 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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does hair stylist insurance cost

How much does hair stylist insurance cost?

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

  • The size of hair salon you work at
  • Where your salon is located
  • Your payroll and the kinds of work your employees do
  • If you drive a car for work

Learn more about hair stylist insurance costs and coverage.

Hair stylist insurance requirements

Hair stylist insurance requirements

Hair stylists are almost always required to have insurance due to the risk of accidentally causing customer injuries or damage to their personal property. You might need insurance to:

  • Start working independently or at a salon. Salon owners might expect 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 business insurance

Here are some of the most common questions we get about freelance hair stylist 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 hair stylists?

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

Damage to someone’s property

A hot curling iron falls from the countertop and burns a client’s designer purse. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A client trips over your hair dryer’s power cord and gets hurt. Your general hair stylist liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

An actor client claims that you cut their hair in the wrong style, which made them lose out on an audition. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You slip on a spill near the hair washing stations at the salon. 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

You swerve to miss a squirrel and get into a fender bender. 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

A tree falls over and damages the roof of your salon. 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?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT customer, all you need to do is log in to your account and your Certificate delivers you the proof of insurance you need instantly. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited access to customized certificates 24/7 at no additional cost. And you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.

  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”

  • If you cannot access your online account and require help from our support team, please visit our online help center.

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More professions that are covered by NEXT

Barber, Beautician, Bridal Stylist, Cosmetology, Esthetician, Hair Stylist, Nail Technician
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.