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Insurance for Salons, Spas & Barber Shops

Salon & Spa insurance is an insurance package designed for the unique exposures of salons, spas, barbers and more.  From Barbers to Med Spas, there are coverage packages available to suit your business’s unique needs..

At Ford Insurance, our goal is to provide you with the best policy at the most affordable price. We understand the challenges of running a business, and we are committed to finding cost-effective solutions without compromising on the scope and quality of coverage. Our team will work with you to understand your unique needs and provide the options and recommendations to get you and your business protected.

As a business owner, you face numerous demands on your time and attention. It is crucial to work with an insurance expert who understands your business, recognizes your objectives, and is committed and capable of supporting you in attaining them!

Why Ford?

When you partner with Ford Insurance, you get more than just an insurance policy. You gain a trusted advisor who genuinely cares about your success. Our team of professionals will take the time to understand your business, your goals, and the unique risks you face. We will work tirelessly to ensure that you have the right coverage in place, giving you the freedom to focus on what you do best!

What does Salon\Spa insurance cover? Just like many other businesses, salons, spas and barbers need to insure their property (the buildings, vehicles and equipment you own or lease) and liability from your business operations. For example if a customer slips and falls in your building or parking lot. Take a look below for the most common insurance policies salons, spas and barbers need.

Salon Insurance

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Common Questions

How much does salon\spa insurance cost?
There is no one size fits all policy for everyone, the premium varies based on the size and scope of your business. The best way to determine your expected annual premium is to speak with an agent to review your options.

What limits do I need?
It depends, when you request a quote from us we collect the relevant information to determine which limits are appropriate for your business. Typical liability limits range from 1-2 Million but your business may require more or less.

Do I need insurance if I provide at home services?
Yes! Even if you do not operate out of a facility you will still need liability insurance to provide coverage during the course of standard business.

What does salon\spa insurance cover?
Salon \ spa insurance is a blanket term that may actually contain many different policies and coverages. A typical package will provide coverage for your business’s property and liability from your operations. See below for coverages and descriptions that may apply to your business.

Who We Insure

  • Beauty Salon
  • Hairstylists
  • Cosmetology
  • Barber Shop
  • Nail Salons
  • Day Spas
  • Medical Spas
  • Estheticians
  • And more

Key Coverages for Salons and Spas

Salon BOP
Business Owner's Policy (BOP) for Salons, Spas & Barbers

A Business Owner’s Policy (BOP) combines common business coverages (General Liability and Property Insurance) into one convenient policy. It’s a great fit for most salons, spas and barbers and provides the flexibility to add additional coverages based on your business’s needs.

Workers Compensation
Workers Compensation

Workers’ Compensation provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees, Workers Comp is required by law in just about every state, though the details may vary.

Business Auto
Business Auto

If your business owns and operates vehicles (for example if you pickup and drop-off patients) a business auto policy can cover your owned vehicles and vehicles you rent for business use.

Medical Spa Professional Liability
Professional Liability (E&O)

If your services include consultation, diagnosing and treating patients (including surgery), a Beauticians Professional Liability policy helps protect you and your business if a client alleges errors, negligence, malpractice and more.

Barber Insurance
Other Coverages

Depending on the size and scope of your business there may be other policies that are important to consider. Business Property and  Cyber insurance are examples of other important coverages your business may need.