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Protecting YOU: Salon Insurance Basics

It’s scary running a team, managing chairs, and learning on the fly. Independent Boot Camp is a great opportunity to share business insights and help creatives like you gain confidence as a business owner.

by Mary Hoeprich, Gild Insurance Agency
November 15, 2023
Protecting YOU: Salon Insurance Basics

Business insurance is a great tool to address the risks of operating your business, seeing clients, and providing excellent styling advice.

Photo: Pexels.com / Mikhail Nilov

2 min to read


It’s scary running a team, managing chairs, and learning on the fly. That’s why we love participating in events like Independent Boot Camp. It’s a great opportunity to share business insights and help creatives like you gain confidence as a business owner.

In case you missed the Gild Insurance Agency's panel on business risks at IBC, here are a few of the highlights!

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Why Do Salon Owners Need Business Insurance?

Business insurance coverage is crucial to protect your clients and your business — And it just might be required by state law! Business insurance is a great tool to address the risks of operating your business, seeing clients, and providing excellent styling advice.

What Business Insurance Do Salon Owners Need?

  • General Liability: This is where every business should start when considering business insurance coverage! A general liability policy provides protections against the everyday risks of your business, like a client being injured at your salon or having their property damaged during a treatment. Based on data from our insurance partners, the most common salon injuries are due to slips, trips, and falls. Watch out for long cords and unswept hair!

  • Professional Liability: As a skilled and creative business, professional liability is an essential coverage. Advice and artistry are the foundation of your business, creating a need for more than just general coverage. Don’t take on color corrections and the risk of fried hair without professional liability coverage!

  • Worker’s Compensation: This coverage is usually required by state law if your business has employees. A worker’s compensation policy offers protections when work-related injuries or illnesses arise. Imagine a colorist restocking overhead shelves with your salon’s latest product shipment. Without worker’s compensation insurance, falling bottles leading to a concussion and a hospital visit may create costs that have to be paid out of pocket by your business!

For more tips, please visit www.YourGild.com

Originally posted on Modern Salon

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