Salon Insurance

Whether you operate a hair, nail, or tanning salon, or a full spa, Tomins is here to help you run your business better.

We take the headaches out of business insurance for salons of all kinds with our convenient 24-hour online portal. You get time back to focus on what’s truly important — running and growing your business, whether your focus is on nails, hair, beauty treatments, or offering a full spa experience. And unlike any other online insurance agency serving bakeries, Tomins is backed by the expertise and experience of Higginbotham.

Maybe more important to you, we understand the unique needs of the salon industry and are ready to design a policy perfectly tailored for you. From basic business owners insurance to any of the more-specialized types of coverage your unique situation needs, Tomins has you covered.

You deserve an insurance partner that works as hard as you do. Tomins — the right insurance choice today.

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Do I Need Salon Insurance?

No one needs to tell you the life of a salon owner is full of surprises. From an injured client to a break-in, every day can bring a new and unexpected challenge to your business. The last thing you need is another thing keeping you up at night.

As the owner of a beauty salon, you can be held responsible for injuries sustained on your property, and you would be wise to carry protection for your equipment and product inventory as well.

But even if you’re renting a booth and don’t have the same liabilities as a salon owner, you can still be sued for injuring a client or shortcomings in your services. As crazy as it may sound, a bad haircut has been used as grounds for filing a lawsuit before!

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What Salon Coverages Do I Need?

Beyond protecting your physical assets, it’s also important to protect your salon business against the possibility of financial loss from lawsuits or settlements. With this in mind, Tomins advises salon owners to consider carrying general liability insurance.

Regardless of the unique characteristics of your salon, every owner should also carry a Business Owners Policy (BOP). They’re designed to protect your business’s buildings, property, and other business assets against unforeseen loss.

A salon BOP typically includes these three coverages:

  1. Salon General Liability Insurance: General liability (GL) insurance is an important coverage for all small businesses to carry, including salons. General liability insurance can help cover the costs of damages from lawsuits filed due to injuries or property damage sustained as a result of your business operation.
  2. Commercial Property Insurance for Salons: Commercial property insurance can help pay to replace or repair your salon’s property, store, and equipment in the aftermath of a covered loss.
  3. Business Income Insurance for Salons [LINK TBD]: This salon insurance coverage can protect you from a loss of income resulting from an interruption of your business operations.

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You May Need Additional Coverage

In almost every case, a salon owner should seriously consider the insurance coverages mentioned above (commercial property, general liability, and business income).

In addition, the unique characteristics of your salon might make an argument for carrying other coverages as well. Some other salon insurance coverages to think about include:

  • Employment Practices Liability (EPLI): EPLI can protect your salon against legal damages, court costs, and other expenses related to improper termination or hiring, sexual harassment, and workplace discrimination.
  • Workers’ Compensation Coverage: This is very important to consider if you hire employees. Workers’ comp coverage can protect your salon against legal liability for workplace injuries, along with helping with the cost of wage replacement, medical bills, and other expenses related to an injured employee.
  • Commercial Umbrella: Extra coverage to protect your salon (or salons) beyond the general aggregate limits of your standard insurance coverage.

Why You Need a Tailored Salon Insurance Policy

In addition, Tomins Salon Insurance offers fully customizable coverage for any individual situation. Our specialized salon insurance policies can also include:

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage

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What Does Salon Insurance Cost?

The specifics of your unique business operation and the coverages you desire will determine your exact cost for insurance. But if you think about the massive financial losses you could suffer from an uncovered incident, the cost of insurance premiums typically pales in comparison. While the cost of various salon insurance coverages can vary considerably, this table outlines some added coverage costs for a typical property or business.

Insurance Type Average Cost
Commercial General Liability $500 to $700
Workers’ Compensation $1 to $2 per $100 in payroll
Commercial Property Insurance $750 to $1,000
Cyber Liability Insurance $1,000 to $7,500
Business Interruption Usually included in BOP
Employment Practices Liability Insurance (EPLI) $1,200
Commercial Umbrella Insurance $400

It’s important to note that the cost of your coverage may be higher or lower, depending on location, the equipment you own, and the scope of your operation. The best way to get an accurate idea of what Tomins Salon Insurance will cost for your business is with one of our free online quotes.

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What Do I Need to Get a Salon Insurance Quote?

At Tomins, we are in the business of making salon insurance easy. Start your free personalized insurance quote now on our online quote page. To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Take the time to make sure all of this information is up to date and accurate. It’s the best way to ensure that we can provide you with the best quote possible.

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