To stay protected, most beauty salons should carry:
- General Liability Insurance for client injuries and property damage.
- Professional Liability Insurance for claims tied to services, like allergic reactions or treatment mistakes.
- Commercial Property Insurance to cover equipment, furniture, and supplies.
- Workers’ Compensation Insurance if you have employees, which covers workplace injuries.
- Business Interruption Coverage can help replace lost income if your salon is forced to close after a covered event.
