Short answer: A barber shop typically needs general liability, professional liability for razor and clipper services, property coverage for chairs and equipment, and workers’ comp for employee barbers. Chair renters should carry their own policies.

The details

Straight-razor services and sterilization practices are key underwriting questions.

Collect certificates from every chair renter.

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

Related: barber shop insurance · renters vs. owners.

More questions: What is a certificate of insurance for a salon? · Does salon insurance cover waxing burns? · How fast can I get salon insurance?.

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