Beauty Business Insurance Cost

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You’re an expert brow-shaper, a prodigious hair-coiffeur, even a legend with the liquid eyeliner. Now it’s time to run your beauty business like a boss with Beauty Business Insurance, which financially protects you if an accident leads to a client’s injury, damage to your property, or even a lawsuit.

If you’re wondering how much Beauty Business Insurance costs, we’re here to help. Let’s face it — in the personal care business, you’re faced with a significant amount of risk. Take steps now to safeguard your growing business before an unfortunate accident threatens to topple what you’ve built.

We’ll break down what you can expect to spend so you can find the right policy and make sure your business is sitting pretty — no matter what happens.

How much does Beauty Business Insurance cost?

If you’ve ever shopped for standard Beauty Business Insurance, you know those policies can seem about as clear as a mud mask. Fortunately, there’s a better way. When you get your Beauty Business Insurance Policy through Thimble, you can get coverage by the job, month, or year.

Here are the average costs of general liability insurance for beauty businesses:



For an additional cost, you might consider a Business Owners Policy (BOP), which is a convenient way for salon owners to combine both commercial property insurance and general liability insurance in a single policy. We’ll explain what those coverages entail below.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

What factors influence Beauty Business Insurance cost?

Like a makeup palette, we will customize your Beauty Business Insurance cost according to the details of your specific business. Here are a few things we look at when determining your cost:

Business location

Do you rent a salon chair? Is your business based in a rural location or is it located in a busy strip mall? Where you work will affect how much you pay for insurance. Busy locations with higher amounts of foot traffic usually mean more risk, which translates into higher costs.

Policy length

The longer your policy length, the more you’ll pay for coverage in total. For example, if you only work one day a week, it makes sense to pay $16.94 (Thimble’s average cost for daily coverage). On the other hand, if you work two or more days a week, paying our average weekly cost of $29.52 makes a lot more sense.

Crew size

It costs more to insure a large team than a small one because more scissor-wielding hands mean a higher risk of accidents. Furthermore, if you need to purchase workers’ compensation for your employees, you will pay more.

Amount of coverage needed

The amount of coverage you need will impact your monthly premium. Higher coverage limits translate into higher Beauty Business Insurance costs — and more protection in case something goes wrong.

Additional coverages

If you own studio or salon space and/or have equipment you want to protect you may want to opt for commercial property insurance. It’s available through Thimble when you purchase a BOP. It protects both the structure you own and any of the business equipment you keep inside or within 100 feet of it. Business Equipment Protection is another option available through Thimble to cover your beauty tools of the trade when you’re on the go.

What does Beauty Business Insurance cover?

Just like a great color job covers every gray, Thimble’s Beauty Business Insurance covers gives you coverage for the everyday risks that personal care businesses face. Here’s a breakdown of the types of coverages we offer:

General Liability Insurance

General Liability Insurance

General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.

Professional Liability Insurance illustration

Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

Business Equipment Protection

Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

Commercial Property Insurance

Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

Beauty Business Insurance has never looked so good

You’ve worked hard to build a successful beauty business, and we’re here to help you protect it. Whether you’re a barber, hairstylist, nail artist, or makeup artist, our Beauty Business Insurance will cover you for the most common risks businesses like yours face on a daily basis.

Since you’re a fast-moving business, we like to keep it simple for you. Unlike the other guys, with Thimble, you’re not waiting around for us to call you back. (Who has time for that?) Simply click “get a quote,” answer a few questions, and get coverage in minutes. No muss, no fuss.

Beauty Business Insurance FAQs

Does Beauty Business Insurance cover my employees?

For third-party liabilities, your employees will have the same coverage as you. However, Beauty Business Insurance does not cover employees for work-related injuries. For that, you’ll need workers’ comp insurance.

What if I need coverage for my salon?

We’ve got you covered. Salon owners like the affordability and convenience of a Business Owners Policy (BOP) because it includes both general liability insurance and commercial property insurance.

Does Beauty Business Insurance cover barbers?

Yes indeed. Beauty Business Insurance covers barbers, hairstylists, nail artists and techs, and makeup artists.

Does Beauty Business Insurance cover estheticians?

No, estheticians are not currently eligible for coverage in our program.

What other types of insurance should beauty businesses have?

One highly important type of insurance is for your auto. If your business owns a vehicle, you need commercial auto insurance.