Personal Care and Beauty Industry Insurance

Get reliable personal care and beauty coverage tailored for you by BrokerLink.

The beauty industry is fast-growing and evolving constantly, so making sure you are covered properly for the services you provide is of the utmost importance. Whether you are a hair stylist, esthetician, or salon owner, having the right insurance policy is important to protect your livelihood against potential risks and liabilities, including unexpected accidents, property damage or legal claims that may occur from your operations or treatments.

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What is personal care and beauty insurance?

Insurance in the personal care and beauty industry protects you in the event the unexpected happens. For example, if your equipment was damaged in a fire, or if one of your clients claims you injured them and decides to sue you. The right coverage can protect you and mitigate the risk you face as a business owner. Some of the most common types of insurance in this industry include: professional liability, general liability, product liability and property insurance.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

In the personal care and beauty industry, any professional who provides hands-on services or runs a business should consider insurance coverage, including:

Hair stylists
Barbers
Estheticians
Cosmetologists
Spa owners
Tattoo artists
Makeup artists
Nail technicians
Beauty salons and spas
Relaxation massage therapists

Why do you need personal care and beauty insurance?

Risk of injury

The nature of personal care services involves physical touch and the use of tools or chemicals that could cause harm to customers (e.g., burns, cuts, allergic reactions).

Legal protection

Without insurance, a business could face lawsuits from dissatisfied clients, leading to financial strain and potential damage to reputation.

Client trust

Insurance provides peace of mind to clients, showing you're a responsible business owner.

Business continuity

In the event of property damage, theft, or other unforeseen events, insurance helps you recover and continue operations without massive financial disruption.

What does personal care and beauty insurance cover?

Your insurance can offer protection against many risks linked to services provided in the beauty industry. The coverage recommended protects professionals like you from potential liabilities and financial losses that can happen in the course of your work. More details are included in the following descriptions.

Recommended

Additional

Covers third-party bodily injury (e.g., a client trips and injures themselves in your salon). This type of insurance is essential for protecting your business from potential liabilities and financial bills that may arise because of such incidents. By having this coverage, salon owners can operate with peace of mind, knowing they have protection if accidents do happen.
Property damage (e.g., accidental damage to client property or equipment) plays a critical role in protecting your business against unexpected costs. This insurance ensures that any repairs or replacements needed for damaged client property, or your own equipment are covered, reducing any financial impact on your business.
Personal injury (e.g., defamation, libel, or slander claims) coverage is important in the personal care and beauty industry, where reputations are crucial. This type of coverage protects against the financial repercussions that can arise from claims related to your operation if someone alleges that your business has made any damaging statements.

Covers claims of negligence, mistakes, or failure to deliver the agreed-upon services. It provides protection for beauty professionals against claims of negligence, errors, or omissions that may happen during the course of their services.
Includes legal fees and damages in case a client sues you over dissatisfaction with the services provided (e.g., bad haircut or allergic reaction). This coverage is essential for safeguarding against potential legal actions from customers who claim that a service led to injury or dissatisfaction.

We suggest product liability insurance for a business that sells or make its own products, e.g. special creams or shampoo. This insurance helps protect you from claims or legal issues related to your products.

This insurance covers physical damage to your equipment, salon property, or business location due to fire, theft, or vandalism.

If your salon or beauty business is forced to close temporarily due to an unforeseen event, this insurance covers lost income during the time you're unable to operate.

Covers medical expenses and lost wages for employees who are injured on the job. This insurance is essential for ensuring that employees receive necessary medical treatment and wage replacement while they recover, promoting a supportive work environment. Additionally, it helps protect your business from potential lawsuits by offering a structured compensation system, thereby fostering a sense of security and trust among your staff.

If your business deals with client data (appointments, payments), cyber insurance protects against data breaches. Online fraud is becoming increasingly common and your customers will expect you to have coverage in case of a breach.

If you own a health and beauty business that employs independent professionals, e.g. in a clinic or spa setting, it's essential to ensure each practitioner has their own coverage plus you require additional coverage as the business owner. Your broker can guide you regarding the coverage you need.

Covers third-party bodily injury (e.g., a client trips and injures themselves in your salon). This type of insurance is essential for protecting your business from potential liabilities and financial bills that may arise because of such incidents. By having this coverage, salon owners can operate with peace of mind, knowing they have protection if accidents do happen.
Property damage (e.g., accidental damage to client property or equipment) plays a critical role in protecting your business against unexpected costs. This insurance ensures that any repairs or replacements needed for damaged client property, or your own equipment are covered, reducing any financial impact on your business.
Personal injury (e.g., defamation, libel, or slander claims) coverage is important in the personal care and beauty industry, where reputations are crucial. This type of coverage protects against the financial repercussions that can arise from claims related to your operation if someone alleges that your business has made any damaging statements.

Covers claims of negligence, mistakes, or failure to deliver the agreed-upon services. It provides protection for beauty professionals against claims of negligence, errors, or omissions that may happen during the course of their services.
Includes legal fees and damages in case a client sues you over dissatisfaction with the services provided (e.g., bad haircut or allergic reaction). This coverage is essential for safeguarding against potential legal actions from customers who claim that a service led to injury or dissatisfaction.

This insurance covers physical damage to your equipment, salon property, or business location due to fire, theft, or vandalism.

If your salon or beauty business is forced to close temporarily due to an unforeseen event, this insurance covers lost income during the time you're unable to operate.

Let us be your resource for all things business insurance

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Factors that may affect the cost of personal care and beauty insurance

Your insurance broker will work with you to get to know your business and understand the risks you face. Every business is unique, and the price you pay will vary depending on several factors, which may include:

Business size

A small one-person operation may pay less than a large multi-location salon or spa.

Type of services offered

Businesses that provide higher-risk services (e.g., tattooing, Botox injections, microblading, laser treatments) may face higher premiums.

Location

Insurance rates can vary based on your location in Canada, as risk factors (e.g., weather, crime rate) differ by region.

Claims history

Businesses with a history of claims may face higher premiums.

Annual revenue

Higher earnings may result in higher premiums.

Regulations

Different provinces may have specific legal requirements for insurance, so it’s important to check your local regulations.

Bundling policies

Many insurance providers offer bundled policies that combine general, professional, and property insurance, which can be cost-effective for salon and spa owners.

Consulting with an Insurance Broker

It’s always a good idea to speak with an insurance broker who specializes in personal care and beauty industry coverage to tailor a plan that best suits your business’s needs.

Contact us

Need help with business insurance? Our brokers can find the best discounts and plans for you. We'll offer personalized quotes and explore the best options.

With our expertise, you can focus on what you do best — running your business — while we handle all of your insurance needs. Let us take the stress out of finding the perfect coverage for you.

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