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Beauty Shop Insurance

Save up to 25% on beauty shop insurance.*

Choose your primary coverage to get started:

Beauty shop insurance can help protect you from

Injuries

The costs of injuries and accidents inside your shop

Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.**

Product liability

A hair dye that you sell causes harm to a customer’s health or damages their property, and they ask you to cover the costs and take legal action against you.

Theft and vandalism costs

You show up one day to find graffiti, broken windows, a broken door and stolen inventory. You need help to cover costs to re-open — fast.

Inventory

Damage costs from fire or extreme weather

A fire, hail storm or burst water pipe ruins your pallets of product inventory, computers and POS systems, furniture, flooring, lighting and the space you lease or own.

Lost business income

If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.

Get beauty shop insurance that’s fast, flexible and convenient

ERGO NEXT specializes in business insurance that can help small business owners protect their beauty supply stores from the cost of unexpected events.

ERGO NEXT makes it easy to:

  • Check prices, get covered and buy 100% online in about 10 minutes.
  • Manage your policy 24/7 via web or mobile app.
  • Pay monthly or annually and cancel anytime.
  • Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for retail beauty stores

Beauty shop insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for beauty supply shops

General Liability insurance for beauty supply shops

Protection for damage to other people's property and injuries to non-employees

General liability insurance could help with financial protection if someone other than an employee is injured at your store, or if you or your employees accidentally damage someone else's property. For example, if a customer slips and injures themselves, or if an employee accidentally dings a customer's car while moving merchandise, depending on the policy.

general liability can help you pay for:

Legal defense costs after a covered claim
Damage to someone else's property
Medical expenses if someone is injured at your beauty shop
Workers’ Compensation insurance

Workers’ Compensation insurance

Often required to help protect employees from work-related illnesses or injuries

Workers' compensation insurance could help pay for medical expenses and lost wages if an employee suffers a work-related illness or injury — and it's often required if you have employees. This can be especially important for beauty supply stores where employees stock shelves and lift heavy boxes and work around chemicals.

workers compensation can help you pay for:

Medical expenses and permanent injury
Lost wages and job retraining
Employer's liability in the event of legal action against you
Commercial Property insurance

Commercial Property insurance

Protect your building, inventory, equipment and other business property

Commercial property insurance could help protect the contents of your beauty shop, including beauty products and inventory, shelving, displays, computers and POS systems, lighting, flooring and the retail space that you own or lease. It may also replace lost income if you have to temporarily close your store for repairs after an event like a fire, burglary, vandalism or storm damage.

commercial property can help you pay for:

Building damage from fire and windstorms
Broken and damaged property from theft and vandalism
Business income interruption if you have to close temporarily
Product Liability insurance

Product Liability insurance

Coverage for damages caused by the beauty products you make or sell

Product liability coverage — included in general liability insurance at ERGO NEXT — could help protect your beauty supply store from financial losses if a customer claims a product you sold caused injury or property damage. This can apply to products you sell to individuals or professional hairstylists, estheticians, nail technicians and other beauty professionals, depending on the policy.

product liability can help you pay for:

Property damage if a product you sold causes harm
Costs if a product you sold causes bodily injury
Legal defense costs after a covered product liability claim
Business Owner’s Policy (BOP insurance)

Business Owner’s Policy (BOP insurance)

Financial help after customer injuries and property damage

BOP insurance combines commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.

business owners policy can help you pay for:

Customer injuries (bodily injury)
Property damage
Business income interruption
Equipment breakdown coverage (optional add-on)

Save up to 25% in discounts on beauty shop insurance

Pay monthly or annually, and you can cancel at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000

How much does beauty shop insurance cost?

Beauty shop insurance can be more affordable than you might think. The cost depends on several factors, including:

  • The size of your beauty shop.
  • The products you sell, such as cosmetics, skincare, hair care or beauty accessories.
  • Your business location.
  • Your number of employees.
  • Your annual revenue.
  • The coverage limits and deductible you choose.
  • Your insurance claims history.

The best way to know for sure what you’ll pay is to get a free online quote and check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your beauty shop.

How can insurance for beauty shops help your business?

Beauty shop insurance could help to:

  • Protect your store, inventory and equipment. Business insurance could help cover the retail space you lease or own from events like a fire, theft, extreme storm damage or a broken water pipe. It could also cover the contents of your shop, like your beauty products, shelving, displays, computers and POS systems and other business property if it’s damaged by a covered event.
  • Handle liability claims against you. Liability insurance could help protect you if a customer is injured at your beauty store or if your business accidentally damages someone else’s property.
  • Deal with product liability issues. If a cosmetic, skincare, hair care or other beauty product you sell causes an allergic reaction, injury or property damage, your business insurance could help with covered claims.
  • Hire employees. Most states require workers’ comp insurance for small businesses with employees.
  • Sell online or in-store. Cyber liability insurance could help protect your store if cyberattacks, data breaches or ransomware incidents disrupt your business or expose sensitive customer information.

Beauty shop insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Does beauty supply store insurance cover products I sell?

Product liability insurance coverage — available as part of general liability insurance with ERGO NEXT — could help if a customer claims that a beauty product you made or sold caused bodily injury or property damage, depending on the policy.

Can I get business insurance if I sell beauty products online?

Whether you sell beauty supplies exclusively online or through a brick-and-mortar storefront and e-commerce shop, your business insurance can be customized to fit how you operate your business. Additional coverages, such as cyber liability insurance, may also help protect your business from certain online crime and data breach risks, depending on the policy.

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

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

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, 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 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 will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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