2026 Calculator
Salon Insurance Calculator
Estimate your beauty salon insurance costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does salon insurance cost in 2026?
Salon insurance typically costs $2,000-$5,000 per year for a small to medium-sized salon. This includes GL, professional liability, and property coverage. Med spas pay significantly more (50%+ higher) due to medical procedure risks.
What insurance does a hair salon need?
Hair salons need: General Liability (slip/fall, allergic reactions), Professional Liability (bad haircuts, chemical burns), Property coverage (chairs, equipment), and Workers Comp if you have employees. Many landlords require proof of insurance.
What is professional liability for salons?
Professional liability (also called malpractice or errors & omissions) covers claims from services you provide - chemical burns from hair color, allergic reactions to products, bad haircuts, or skin damage. It's different from GL which covers premises-based injuries.
Does salon insurance cover allergic reactions?
Yes. Both GL and professional liability typically cover allergic reaction claims. About 25% of salon liability claims involve allergic reactions to hair dye, nail products, or skincare. Proper patch testing can reduce your risk and premiums.
Why is med spa insurance more expensive?
Med spas perform medical procedures like Botox, fillers, laser treatments, and chemical peels. These carry higher injury risks and require a licensed medical professional. Professional liability for med spas can be 3-5x higher than traditional salons.