Barber Shop & Beauty Salon Program
Protect your business with an agency you can trust. Whether you're a barber or a beautician, your customers depend on you to help them look their best. Let Blue River Insurance Group freshen up your business with the right insurance protection.
Coverage Highlights
General Liability Insurance: This coverage protects against third-party claims for bodily injury, property damage, or personal injury that occur on the premises or as a result of the barber shop or beauty salon's operations. It can cover legal fees, settlements, and medical expenses.
Professional Liability Insurance (also known as Errors and Omissions Insurance): This coverage is crucial for barbers, hairstylists, and other salon professionals. It protects against claims of negligence, mistakes, or professional errors that lead to client dissatisfaction, physical injuries, or hair and skin damage.
Property Insurance: This coverage protects the physical property of the barber shop or beauty salon, including the building, furniture, equipment, and inventory, against risks such as fire, theft, vandalism, or natural disasters. It can cover repair or replacement costs.
Business Interruption Insurance: If a covered event (such as a fire or natural disaster) forces the barber shop or beauty salon to temporarily close, business interruption insurance can compensate for the loss of income during the closure. It covers ongoing expenses like rent, utilities, and employee wages.
Workers' Compensation Insurance: If the barber shop or beauty salon has employees, workers' compensation insurance is typically required by law. It provides coverage for medical expenses, disability benefits, and lost wages if an employee suffers a work-related injury or illness.
Employment Practices Liability Insurance (EPLI): This coverage protects against claims related to employment practices, such as wrongful termination, discrimination, harassment, or wage violations by employees.
Cyber Liability Insurance: As barber shops and beauty salons increasingly rely on technology for client records and payment processing, cyber liability insurance can provide coverage in case of data breaches, cyber attacks, or unauthorized access to sensitive client information.
Commercial Auto Insurance: If the barber shop or beauty salon owns vehicles for business purposes, such as mobile salon units or transportation of equipment, commercial auto insurance is necessary to protect against accidents, property damage, and liability claims.
How to get started on your quote
Blue River Insurance Group will help you find the best coverage possible for your business!
Call us today or head over to our Business Insurance page to get a quote started online.