Salon & Cosmetic Liability Insurance Solutions with LMBF

The personal care sector, including businesses such as hairdressing salons, makeup artists, nail spas, skin treatment facilities, etc., all offer a service that many of us depend on. Your beauty or personal care business has taken years to build and develop - you would never want it to go to waste just because of one unexpected claim of negligence that ends up in a court of law. Many businesses cannot afford to pay out-of-pocket for the expenses that may come out of a lawsuit. LMBF offers cosmetic liability insurance and salon insurance to personal care businesses that want to protect their bottom line - and peace of mind.

What Salon Insurance Covers

Commercial General Liability

Commercial General Liability

Commercial general liability insurance is the baseline for many businesses as this policy can cover your personal care businesses for claims alleging bodily injury or property damage. The costs of a lawsuit can be huge. This coverage may cover the costs of legal fees, defense costs, and so on.

Property Insurance

Property Insurance

Your commercial property requires coverage against the elements. In the event that your spa or hair salon is damaged as a result of a fire, act of vandalism, or extreme weather event, your commercial property insurance may cover your salon for the cost of repairs and restoration.



Business interruption insurance is generally available as an option, but you can include it with your salon insurance package to cover the cost of ongoing bills during a period of forced closure due to an insurable event that requires you to stay closed while repairs are being done.

  What salon insurance covers
  • Commercial liability
  • Commercial property
  • Unexpected events
  • Loss of inventory
  What salon insurance excludes
  • Undocumented income
  • Intentional damages
  • Gradual wear and tear
  • Criminal activities

What is salon insurance?

Salon insurance is an insurance package designed for personal care sector businesses, like nail spas, hairdressing salons, makeup artists, and so on. While these businesses may face only a low chance of a lawsuit, the ramifications of one could threaten to close their doors for good. Salon insurance covers lawsuit expenses like legal fees, defense costs, and more.

Types of Salon Insurance Products

Personal care businesses may not offer a “life-or-death” service, but they can very well be the victim of an unexpected lawsuit. The risk of an event like this is low, but never zero. In the event you should ever have to make a claim, it may benefit you and your business to have a base understanding of what you’re covered for. Discuss with LMBF’s salon insurance brokers or see below for some examples of salon insurance coverage that may be available to you and your business or included with your standard policy.
Property Insurance

Commercial property

  • Physical property
  • Stored belongings
  • Contents
More info
Professional Liability Insurance

Professional liability

  • Negligence
  • Misinformation
  • Omissions
More info
Commercial Auto Insurance

Commercial auto insurance

  • Collision
  • Comprehensive
  • Liability
More info
Business Interruption Insurance

Business interruption

  • Ongoing wages
  • Employee payroll
  • Bills
  • Rent
More info
Commercial General Liability Insurance

Commercial general liability

  • Bodily injury
  • Advertising injury
  • Property damage
More info
Cyber Insurance

Cyber liability

  • Data breach
  • Restoration costs
  • Liability
More info
Umbrella Insurance

Umbrella insurance

  • Extended liability
  • Advertising injury
  • Bodily injury
  • Property damage
More info
Equipment Breakdown Coverage

Equipment breakdown

  • Unexpected breakdown
  • Machinery
  • Boilers
More info
Directors and Officers Liability Insurance

Directors and Officers Liability Insurance

More info
Crime Insurance

Crime insurance

  • Fraud
  • Dishonest actions
  • Reputational injury
More info
Risk Management

Risk management

  • Strategies
  • Risk reduction
  • Mitigation
More info

Our Salon Insurance partners

The personal care sector offers many of us a luxury that we cannot imagine living without. Whether you operate a single hairdressing salon or own a multi-business chain of nail spas, your business requires salon insurance designed to its specific insurance requirements. LMBF has partnered with some of the top salon insurance companies to help your personal care business get the coverage it needs. We can help you find a competitive salon insurance quote from any one of our partners and get you started on comprehensive coverage right away.

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Want to Get Started on Your Salon Insurance? Start with a Salon Insurance Quote.

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Most Frequently Asked Questions About Salon Insurance

A: Cosmetic liability insurance is not mandatory for most sectors of the personal care industry depending on where you are located, but it is highly recommended. Many businesses could not afford to reopen following a lawsuit due to claims of alleged negligence.

A: The cost of insurance is largely dependent on the individual factors impacting your business, so you may not be paying the same as the next hairdresser salon over. Hairdresser salon insurance may cost more or less depending on the size of your salon, its years of experience, the hairdressers it employs, insurance history, annual and projected revenue, etc.

A: The personal care sector encompasses a large number of different businesses, from makeup artists to hairdresser. Businesses in the personal care sector that may benefit from salon insurance include barbers, hair stylists, bridal makeup services, nail spas, and so on.

A: Insurance is designed to cover your salon or personal care business against industry-specific risks that occur unexpectedly - but not everything under the sun will be covered. Cosmetic liability insurance is designed to protect your business against unexpected liability claims and excludes intentional acts of harm or damages, poor service causing financial loss, and liability for acts unrelated to negligence.

A: Salon insurance is an overarching term for insurance programs designed for salons and personal care businesses that offer a service. While your exact insurance coverage may vary, you can expect that your policy may include coverage for commercial general liability, commercial property, and whatever optional coverages you choose to include in your plan.

A: As a professional in the personal care sector, insurance helps to reduce your risk of financial loss from common exposures to your business. Just think: if you were the victim of a lawsuit alleging negligence or error, could you afford to pay off the costs out-of-pocket? Many businesses are forced to close their doors for good when an instance like this occurs. This is where having salon insurance comes in clutch.