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beauty business insurance

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.

We specialize in beauty salon business insurance

Choose your profession for more information or get a customized quote for your business

Barber, Beautician, Bridal Stylist, Cosmetology, Esthetician, Hair Stylist, Nail Technician
Dedicated small business insurance

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.

Dedicated small business insurance

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.

How much does insurance cost

How much does beauty business insurance cost?

You can save up to 25% 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

Business insurance has never been easier

Customized business insurance to protect you and your clients
Business insurance in less than 10 minutes

Get covered in 10 minutes and you can save up to 25% in discounts

Easy monthly payments

Instant proof of insurance and easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

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
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
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.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

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

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?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at 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, 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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* 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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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.