Short answer: A hair salon typically needs general liability, professional liability, property coverage or a business owners policy, and workers’ compensation once it has employees. Many add cyber liability, EPLI and equipment breakdown.

The details

Salons that rent chairs should require renters to carry their own liability.

The right mix depends on services, staff and whether you own equipment or a build-out.

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

Related: hair salon insurance · BOP vs. GL.

More questions: Do I need workers’ comp for one salon employee? · Does salon insurance cover microblading? · Does salon insurance cover data breaches?.

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