Salon Insurance FAQs
If I rent a chair in a salon, do I need a business owner's policy?
No. If you are only renting a chair, you typically won’t need a BOP. However, you may be required to purchase general liability insurance to meet the requirements of your contract with the salon owner.
If I need to, how can I show proof of insurance now that I have Salon Insurance?
Once you sign up for a policy through Thimble, you can quickly generate as many Certificates of Insurance as you need to demonstrate that you’ve purchased liability insurance — at no additional cost.
Does having a Salon Insurance policy protect the work equipment that I bring to service clients?
Thimble’s insurance policies cover up to $10,000 worth of work equipment that you carry outside of your typical workplace. But if you own more highly-valued equipment, or are responsible for rented or leased equipment owned by others, it’s recommended that you buy Business Equipment Protection (also known as inland marine coverage).
Does having Salon Insurance protect staffers?
Many salons misclassify employees as independent contractors, according to the Department of Labor. For anyone who is classified as an employee, you’ll likely need workers’ compensation insurance, a policy that covers the expenses associated with employee injuries or illnesses such as healthcare costs or lost wages. You should check the laws in your state to see which employees are covered under workers’ compensation insurance and how many employees your business must have before you’re required to purchase the coverage.
What are the policy limits for Thimble's Salon Insurance?
As a BOP, salon insurance coverage limits begin at $300,000 for general liability policies, $250,000 for building coverage and $50,000 for business contents. However, if you need more protection, you can increase your coverage up to $1 million for general liability insurance and building insurance and $500,000 for business personal property coverage.
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Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Though of everything
This app is beautiful and super easy to use! It’s super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I’m done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
Best insurance solution for small businesses.
I love the convenience of this insurance app, its the best thing since sliced bread????????
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.
Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Though of everything
This app is beautiful and super easy to use! It’s super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I’m done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
Best insurance solution for small businesses.
I love the convenience of this insurance app, its the best thing since sliced bread????????
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.

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