Expert Strategies & Tips for Buying Barber Insurance

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If you’re thinking about buying barber insurance for your barbershop, our expert strategies and tips can help you understand barbers insurance, why you need it, which types to buy, and how much it should cost.

Barber Insurance

What is Barber Insurance?

Barber insurance is insurance coverage that can protect you and your customers from accidents like slips or falls, injuries from barbering equipment like razors and scissors, property damage, and income loss from legal costs or employee illness. 

Barber shop insurance covers issues such as: 

  • Customer injury
  • Property damage by a customer
  • Employee personal injury
  • Business property damage
  • Loss of business income
  • Repair or replacement for damaged equipment
  • Subcontractor mistakes

Should a Barber Company Have Insurance?

The monetary damage from a single claim or from a customer who decides to sue can end up closing down your shop if you don’t have insurance. 

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Do I Need Barber Shop Insurance?

No barber should practice without having a comprehensive insurance policy. Barbers insurance provides the following benefits:

  • Protects your business assets: protects against the risk of property damage or claims from on-premise injuries 
  • Covers legal costs: prevents your barbershop from monetary destruction if someone sues you
  • Peace of mind: so you and your employees don’t have to envision worst-case scenario results

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What Insurance Does a Barber Shop Need?

Many barbershops have a business owner’s policy (or BOP) which combines three types of the most popular types of business insurance into one:

  • General liability insurance: protects your business from property damage and bodily injury claims 
  • Commercial property insurance: protects the business’ building and property (whether owned or rented) and equipment
  • Business income insurance: Replaces lost income if unable to be open because of property damage covered by insurance 
Barber Insurance

Other types of insurance for barbers that are a good idea to have include:

  • Worker’s compensation Insurance: covers work-related injuries (like carpal tunnel syndrome) and missed wages for an injured or sick worker during their recovery (often mandatory)

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Other Insurances Barbershops May Consider?

You’ll also want to ask your insurance agent if the following insurance types would be a good idea for your business:  

  • Barbershop professional liability insurance (Errors & Omissions or E&O): provides legal and financial protection in case you’re sued for harm, injury, or a barbering mistake (like a bad haircut)
  • Employment practices liability insurance (EPLI): protects from employment-related lawsuits such as sexual harassment, wrongful termination, and discrimination
  • Home-based business insurance: if you run your barbershop from your home
  • Umbrella Insurance: Covers damages that fall out of the range of basic insurance policies
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Choose from a variety of business insurance options. Professional Liability, Cyber Insurance, Business Owners Policy, Workers' Compensation.  

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How Much Does Barber Insurance Cost?

Basic barbershop insurance ranges from $29 to $99 a month, with a typical cost being $69 per month.

However, the price of your policy will depend on your zip code, the size of your deductible, your claims history, how many employees you have, and your coverage needs.

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