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.

[phone]

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

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:

Spas
Barbers
Spa owners
Estheticians
Beauty salons
Hair stylists
Cosmetologists
Tattoo artists
Makeup artists
Nail technicians
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.

Coverages

Your insurance can offer protection against many risks linked to services provided in the beauty industry.

What does personal care and beauty insurance cover?

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

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.

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

[phone]

Why choose BrokerLink for your commercial insurance needs?

At BrokerLink, we’re passionate about the customer relationships we create in the communities we serve across Canada. As one of Canada’s largest commercial brokerages, we’ve established strong local connections, which means we’re not just your broker, we’re a neighbor invested in your success.

National reach, local touch

With BrokerLink, you get the best of both worlds – local expertise with access to a vast national network. Your commercial insurance needs are looked after by dedicated professionals who are committed to your success. Our organizational structure empowers your representative to make decisions to provide coverage that’s tailored to your specific needs, ensuring an exceptional customer experience.

Decades of expertise

With an average tenure of ten years, our commercial team is a testament to expertise and dedication. Our brokers have experience in a wide range of industries – from farm to factory and storefront to shipping – so you can count on their advice. We’re proud to be a 100% Canadian-owned organization with employees who live and work in the communities they serve.

Your advocates in risk management

Our approach to risk management, loss control, claims adjusting services and alternative risks showcases our dedication to tailoring solutions to your unique needs. Our open structure ensures we select the very best third-party service providers for you, offering complete cost transparency.

Claims advocacy

BrokerLink’s Claims Advocacy Team is dedicated to safeguarding your business interests when the unexpected happens. They will act as your trusted partner, providing expert guidance and advocacy throughout the claims process. The team is always ready to stand by your side, minimizing disruptions and protecting what matters most to your business.

We’re here to help people

When you choose BrokerLink, you're not just choosing an insurance broker – you're selecting a partner driven by strong values. Beyond policies and claims, we are here to make a positive impact on the lives and businesses we touch.

Our reviews

20300+ Reviews

Average rating of 4.6

Greg Silver

Excellent service, rates and customer service. Highly recommended.
Andy Rohansingh

Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
Ian Roome

I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Clara Furlano

Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
Joyce Kivuyo-Kisamo

I have been with BrokerLink for over 5 years and have never been disappointed; my issues have been always solved promptly and efficiently, they even found me a cheaper motor insurance with same qualit...
Terry Mason

I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Sandi G

Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
DANI L

The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️

Our numbers speak for themselves

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.

[phone]

Visit a branch

Resources

Check out our wide range of resources, offering valuable information and tools, all in one convenient place.

Check out blog

Service and claims

Visit a branch

About us

Vehicle Insurance

Property Insurance

Other Insurance

Personal Care and Beauty Industry Insurance

What is personal care and beauty insurance?

Who we help

Who needs personal care and beauty insurance?

Why do you need personal care and beauty insurance?

Risk of injury

Legal protection

Client trust

Business continuity

Coverages

What does personal care and beauty insurance cover?

General liability insurance

Professional liability insurance (errors & omissions insurance)

Product liability insurance

Property insurance

Business interruption insurance

Employers liability

Cyber liability insurance

Third-party coverage

General liability insurance

Professional liability insurance (errors & omissions insurance)

Product liability insurance

Property insurance

Business interruption insurance

Employers liability

Cyber liability insurance

Third-party coverage

Why choose BrokerLink for your commercial insurance needs?

National reach, local touch

Decades of expertise

Your advocates in risk management

Claims advocacy

We’re here to help people

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Our numbers speak for themselves

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

Business size

Type of services offered

Location

Claims history

Annual revenue

Regulations

Bundling policies

Consulting with an Insurance Broker

Contact us

Resources

Other products