Salon & Barber Insurance in Massachusetts
Salon and barbershop owners understand how personal their work is. Clients trust you with their appearance, their comfort, and their safety — and even a small issue can quickly become a serious concern.
Salon and barber insurance is designed to help protect your business from the financial impact of accidents, claims, or allegations related to the services you provide.
At Risman Insurance Agencies, we work with salons and barbershops across Massachusetts to help owners understand their risks and explore insurance options aligned with how they operate.
Why Salons and Barbers Have Unique Insurance Needs
Hair styling, grooming, and personal care services involve close contact with clients, tools, chemicals, and equipment. Because of this, salons and barbershops face exposures that aren’t always addressed by a basic business insurance policy.
Common risk considerations include:
- Slip-and-fall injuries in customer areas
- Cuts, burns, or skin reactions during services
- Allegations of negligence or unsatisfactory results
- Damage to a client’s personal property
- Property damage or theft involving equipment and supplies
Insurance helps salon and barber businesses manage these risks so owners can focus on their clients and operations.
Common Salon & Barber Insurance Coverage Options
Salon and barber insurance is not a single policy. It is typically a combination of coverages structured around your services, staff, and space.
Coverage options may include:
General Liability Insurance
General liability insurance may help address certain third-party bodily injury or property damage claims involving clients or visitors.
This can include slip-and-fall claims or accidental injuries occurring on your premises, subject to policy terms and exclusions.
Professional Liability Insurance
Professional liability coverage (sometimes called errors and omissions or malpractice insurance for salons) may help address claims alleging negligence or errors related to the services you provide.
This coverage is especially important for businesses performing personal care services where results are subjective and client expectations are high.
Commercial Property Insurance
Property insurance may help protect your salon or barbershop’s contents, such as:
- Styling chairs and stations
- Clippers, dryers, and tools
- Inventory, products, and supplies
- Furniture and fixtures
Coverage needs vary depending on whether you own or lease your space.
Workers’ Compensation Insurance
Workers’ compensation insurance is required for most Massachusetts employers and may help support employees who are injured while performing job-related duties.
Coverage requirements vary depending on staffing structure, including employees versus independent contractors.
Additional Coverage Considerations
Depending on how your business operates, you may also need to review:
-
Coverage for chair renters or booth renters
Each salon and barbershop is different, which is why coverage should be reviewed based on your specific setup.
Who Should Consider Salon & Barber Insurance?
Salon and barber insurance is commonly reviewed by:
- Hair salons and beauty salons
- Barbershops
- Independent stylists and barbers
- Booth or chair rental operations
- Grooming studios and specialty salons
Many landlords require proof of insurance before leasing space to personal care businesses.
Why Salon Owners Work with Risman Insurance Agencies
Experience with service-based businesses
We understand the day-to-day realities of salons and barbershops, from client interactions to staffing and space requirements.
Independent agency with multiple carriers
As an independent insurance agency, we work with multiple insurance companies and help salon owners compare coverage options rather than forcing a one-size-fits-all policy.
Ongoing support as your business grows
As services expand, staff changes, or locations grow, we help review coverage so your insurance keeps pace with your business.
Request a Salon or Barber Insurance Review
If you own or operate a salon or barbershop in Massachusetts, it may be worth reviewing your current insurance program.
Call: 781-396-2116
Request: Contact us online to get started
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
