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Beauty parlors and hair styling salons specialize in hair cutting, coloring and styling services for men and women. They may also offer other cosmetic services, such as massages, waxing, facials, manicures and pedicures.

General Liability Insurance for Beauty Parlors and Hair Salons – Customers who visit beauty parlors and hair salons may experience injuries should the premises be in poor condition or unsecured. Hair clippings should be swept after each hair cut in order to prevent a slip and fall hazard. Depending on the types of services offered, operations liability may exist. For example, customers may become injured during a massage or electrolysis session. If tanning services are offered, salons may face lawsuits for customer health problems resulting from excessive UV-ray exposure, including skin cancer. If the business sells beauty products, product liability may be a concern should the items harm customers.

Professional Liability (Errors and Omissions) Insurance for Beauty Parlors and Hair Salons – Hair stylists and estheticians may face lawsuits if they make mistakes while servicing customers in beauty parlors and hair salons. Examples include hair and skin damage that can be caused by hair coloring, perms, manicures, pedicures and body wraps.

Workers’ Compensation Insurance for Beauty Parlors and Hair Salons – The chances of on-the-job injuries occurring at beauty parlors and hair salons are low, but may include repetitive motion, back and leg injuries; as well as eye and skin irritations caused by chemicals used in beauty treatments. Beauty salons should be well ventilated in order to prevent long-term breathing problems as a result of the strong fumes emitted during chemical treatments.

Property Insurance for Beauty Parlors and Hair Styling Salons – Fires may take place in beauty parlors and hair styling salons, especially if machinery, wiring or other electrical equipment is not properly installed or maintained. The use of curling irons, hair dryers, and other heat producing equipment will increase fire risks. Flammable products used, such as hair sprays, hair dyes, and permanent and straightening solutions will also increase the potential for fire. All excess products should be stored away from the main operations. Salons may also be liable for the property of their customers during all-day events that require visitors to store personal items inside the salon.

Crime Insurance for Beauty Parlors and Hair Salons – Theft may occur at beauty parlors and hair salons due to the amount of cash received everyday. Cash should be kept in locked drawers and deposited daily. Employee theft may be prevented by immediately stamping checks “for deposit only”. Salons should be equipped with up to date machinery for identifying fraudulent checks and credit cards.