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Beauty supply stores sell a variety of toiletries and grooming aids, including hair products and tools, makeup, makeup brushes, skin products, hairpieces, hair removal waxes and nail care products. Some beauty supply stores may be barbershops that offer hair cutting and styling services in addition to selling beauty products. The customers of beauty supply stores include men and women who purchase products for their own personal use as well as beauty industry professionals who buy products to use at their businesses.

General Liability Insurance for Beauty Supplies Stores – Premises liability risks will be higher for beauty supplies stores that offer hair cutting and styling services. Floors should be clean at all times to prevent slip, trip, and fall hazards to customers. Warning signs should be posted when floors are being cleaned during operating hours or prior to clean up of wet areas. Snow and ice should be removed from sidewalks, parking lots, and all outdoor access areas.

Workers’ Compensation Insurance for Beauty Supplies Stores – Employees could be injured from toppling merchandise if beauty supplies are not displayed on sturdy fixtures and shelving. Beauty supplies store employees may also suffer from back strain, slipped discs, or hernias from lifting heavy objects such as cases of stock. 

Business Auto Insurance for Beauty Supplies Stores – Beauty supplies stores should have minimal business auto risks. Business travel is typically required everyday for making short trips to the bank to make the deposit. Other business related travel should be infrequent. Traffic conditions and the radius of travel will affect auto risks.

Property Insurance for Beauty Supplies Stores – Beauty supplies stores will have increased fire risks due to the flammable products sold such as hair dyes, bleaches, and permanent solutions. Extra boxes, packing materials, and trash should all be removed everyday to reduce the fire load. Stockrooms should be orderly with sufficient aisle space to help reduce the spread of fire. Exit doors must be clearly marked and exit pathways should be free of obstructions.

Crime Insurance for Beauty Supplies Stores – Central station burglar alarm systems should be UL certified which requires a regular maintenance agreement with an alarm contractor. Beauty supplies stores utilizing alarm systems should post conspicuous signage indicating that the premise is protected by an alarm system. The signage itself can be a major deterrent. Inventory should be counted often to reduce the risk of employee theft at beauty supplies stores.