Coverage Guide
Salon Insurance Coverage Guide
Professional liability for beauty and personal care services
Med Spas Pay 3-5x More
Med spas performing Botox, fillers, laser treatments, and other medical procedures require significantly higher professional liability limits. Licensed medical professionals must be on staff.
Coverage Types
General Liability
Slip/fall, allergic reactions
$1,500
Base Annual
Professional Liability
Service errors, burns
$800
Base Annual
Business Property
Equipment, inventory
$1,200
Base Annual
Workers Compensation
Employee injuries
$2,000
Base Annual
Salon Type Rates
| Type | Description | Rate Factor |
|---|---|---|
| Hair Salon | Cutting, coloring, styling | ×1 |
| Barber Shop | Men's grooming | ×0.9 |
| Nail Salon | Manicures, pedicures | ×1.1 |
| Day Spa | Full spa services | ×1.25 |
| Med Spa | Medical aesthetics | ×1.55 |
| Tanning Salon | UV exposure risk | ×1.35 |
*Med spas and tanning salons have highest rates due to procedure and UV exposure risks