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Beauty Insurance

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You’ve got the look. Now you can protect it with beauty business insurance.

Next Insurance is a one-stop shop for beauty business insurance. Quickly get the coverage you need online at an affordable price so you can focus on your work. Oh, and you’ll save 10% when you bundle two or more of our policies.

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Business insurance has never been easier

Customized business insurance to protect you and your clients
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

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How much does beauty business insurance cost?

You can save up to 30% when you buy beauty insurance with Next. The exact amount you pay will depend on:

  • The types of nail or hair and beauty services you offer
  • Where you offer your services
  • How many employees you have and the kinds of work they do
  • Vehicles you drive for work
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Take a few minutes to get an instant quote and see how much business insurance will cost.

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Why do beauty and personal care professionals need business insurance?

Business insurance offers you protection from a wide range of accidents and business risks. You’ll have financial help if a customer claims you caused an injury, damaged their property or caused some other type of harm while providing your personal care services.

Making sure you’re appropriately covered for your nail or hair salon means that you don’t have to pay entirely out of pocket after an incident or to defend your business.

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Liability insurance for beauty businesses

We combine two types of liability insurance in our business insurance packages:

General liability is the insurance coverage most beauty salon owners buy first because it can help cover some of the costs related to accidents that cause property damage or injuries. 

You’ll have financial help if a client slips on a wet floor near your washing station and gets hurt or you accidentally spill nail polish on an expensive bag.

Professional liability provides financial protection from accusations that made a mistake that caused financial harm. For example, it could cover defense expenses or legal judgments if a client claims your beauty and personal care services caused them to lose money.

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Other important business insurance coverage for beauticians

Liability insurance is essential for covering your bases but you may want to add other types of business insurance to protect your personal care business equipment, work vehicles and your employees.

We typically recommend: 

Workers’ Compensation for beauty salon owners

Workers’ compensation protects your employees by helping to pay some of the costs of medical bills if they get hurt or sick on the job. Workers’ comp can also help to cover their lost wages while they recover from accidentally cutting themselves with scissors. 

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp insurance.

 

Commercial Auto insurance for beauty businesses

Commercial auto insurance is mandatory if you drive a vehicle owned by your business. If you drive to provide services at your clients’ homes or other locations, our personal car insurance won’t cover your own car if you drive it for work purposes. 

Learn more about commercial auto insurance.

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Frequently asked questions about beauty professionals’ insurance

What do I need to get an insurance quote online for my beauty business?

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 beauty insurance, we’ll ask you a few basic questions about your business, including:   

  • The kind of nail, hair or makeup services you provide
  • How many people you employ and how much you pay them
  • If you drive to offer your services at client homes, offices or other locations
  • The salon location where you plan to work

How do I get my certificates of insurance?

A few minutes after you buy any type of coverage, you can log into your account from a computer or mobile device to access your certificate of insurance.   We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.

Can I add an additional insured to my beauty insurance?

Yes. We know this is a common need for beauty service providers to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free.  Learn more about additional insureds.

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us:   

  • The name your policy is under so we can find the right one
  • Where the incident happened
  • What the injured person was doing at the time and the type of injury sustained
  • Details and contact information for everyone who was involved 
  A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business.   Check out our claims page for more details.