Protect Your Salon or Spa Business
From slip-and-fall accidents to dissatisfied clients to theft of customer credit card information, salon and spa businesses have to be prepared for the potential financial impact from a wide range of risks.
At biBERK, we provide tailored business insurance coverage at savings of up to 20%. Whether you need workers' compensation, professional liability (E&O), general liability, business owners, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Who Needs Beauty Salon Insurance?
Salons and spas face many risks. Employee injury is always possible, and workers’ comp is state-mandated for many businesses, so that coverage is important. Accidental fires and equipment theft or damage should be covered by a business owners policy. A commercial auto policy is important if you do any driving for work. You may need a Certificate of Insurance, which is available online as soon as you purchase a policy from us.
Any Beauty Salon or Spa Needs Business Insurance, Including:
- Barber shops
- Beauty parlors
- Blowout salons
- Fitness spas
- Hair salons
- Health clubs
- Health resorts
- Health spas
- Massage companies
- Nail technician
- Wellness spas
What are the Different Types of Salon Insurance and Spa Insurance?
At biBERK, we offer six different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.chevron_rightWorkers' Compensation
General Liability Insurance
Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement.
This coverage can be purchased as an add-on to a general liability, professional liability (E&O), or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Business Owners Policy
Commonly referred to as a business owner’s policy (BOP), it combines general liability insurance with coverage for your company’s property. You’ll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running, such as the use of a temporary location.
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during the course of business. Our commercial auto insurance policies are offered through a Berkshire Hathaway subsidiary.chevron_rightCommercial Auto
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.chevron_rightUmbrella
Why biBERK for Salon, Spa and Esthetician Insurance?
We’re the experts when it comes to small business.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.