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Barbershops provide basic hair cutting, shaving and hair styling services to men and some women. The practices of barbershops generally involve hair cutting and do not include the chemical applications required for hair coloring and other cosmetic services.

General Liability Insurance for Barbershops – Since customers visit barbershops for services on a regular basis, the potential for on-site injuries exists. This risk is elevated if floors, sidewalks and parking lots are not kept in good condition. The accumulation of hair trimmings on the floor will pose a slip and fall hazard to clients. As a result, floors should be swept after each hair cut. Barbers who offer shaving services using straight razors should use extra caution in order to prevent injury to customers. Customers may be endangered if proper security measures such as adequate lighting are not in place. If barbers sell toiletry and cosmetic products, such as shampoo, then they face product liability risks should the products cause harm to customers.

Workers Compensation Insurance for Barbershops – The risk of worker injury is low, but it may occur within the barbershop if workers do not take adequate time to rest. Back, leg and repetitive motion injuries are most common in this type of work. In addition, barbers may be cut from the use of scissors and/or straight razors.

Property Insurance for Barbershops – Damage to barbershop properties may occur in the event of a fire caused by faulty electrical wiring or equipment. The age and construction type of the buildings are primary risk factors for fire. Buildings over 20 years of age that have not had there wiring and electrical systems updated are at a higher risk. The construction type of the building will impact the severity potential of the fire. Buildings that are constructed from fire restive and masonry non-combustible materials will have a lower fire risk. Barbershops that allow smoking will be at higher risk of fire as well.

Crime Insurance for Barbershops – Due to the potentially large amounts of cash on hand, theft is a crime risk for barbershops. Outsiders can engage in theft by making payment for services with invalid credit cards or checks or by stealing money & securities by burglary or robbery. Employees should receive training and have available the latest technology for identifying fraudulent or invalid checks and credit cards. Checks should be immediately stamped "for deposit only". Employee theft may be a concern as well and can be reduced by completing reference checks prior to hiring new employees.