Short answer: Usually yes, under professional liability. When a client claims your service caused breakage, burns or scalp injury, professional liability pays defense costs and covered damages, subject to the policy terms. It does not refund a service the client simply disliked.

The details

Chemical services — lightening, relaxers, keratin and color corrections — drive most hair damage claims. Document consultations, strand tests and aftercare instructions; that record matters if a claim is filed.

General liability alone will not respond, because most GL forms exclude professional services.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: GL vs. professional liability · hair salon insurance.

More questions: What insurance does a med spa need? · How much salon insurance coverage do I need? · Is a business owners policy worth it for a salon?.

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