How Much is Beauty Salon Insurance? A Comprehensive Breakdown

By Darragh Timlin on July 22nd, 2023

Owning a beauty salon carries a hefty share of financial obligations, one being insurance. But just how much does beauty insurance cost? And what factors can influence these costs? Can your salon’s size, location, services offered, or staff size make a significant difference? Maybe your claims history, choice of liability insurance, or additional insurance options are tipping the scales. And could the method of payment or choice of high-excess plans sway the balance? Is there any way to reduce these costs without compromising your coverage?

In this comprehensive blog post, we will be exploring all these questions and more. We’ll compare average costs for different types of salons, examine the effect of various influencing factors, and even provide some tips on how to reduce your insurance expenses. At the end, we’ll also address some frequently asked questions on salon insurance costs. So, with so much to learn and potential savings at stake, why not begin this illuminating journey through the world of beauty salon insurance with us?

Understanding Insurance Costs & Underlying Factors

To get a grasp on beauty salon insurance costs, it’s vital first to understand a) what it covers, and b) what makes premiums higher or lower.

Just like any insurance, beauty salon insurance is a safety net to protect your business. Policies may cover property damage, liability claims, employee accidents, and even business interruption costs. The costs can vary greatly, depending on various factors such as the size of your salon, the services you offer, and your salon’s location.

A multitude of factors can influence the cost of your beauty salon insurance. These include but are not limited to, your salon size, its location, the services you provide, and the number of employees you have. Besides, your business experience and claims history can also significantly affect your premium.

Let’s look at each of these factors in a little more depth.

Salon Size

The size of your beauty salon plays a significant role in determining your insurance costs. Larger salons with more treatment rooms or chairs usually have higher insurance premiums compared to smaller salons with fewer facilities. That’s because more facilities equate to a higher risk of claims.


Just as with property insurance, the location of your salon can have a big impact on your insurance premiums. Salons in high-risk areas, such as those prone to crime or natural disasters, often pay more for insurance. Conversely, those in low-risk areas generally enjoy lower premiums.

Services Offered

The range of services you offer at your salon can also affect insurance costs. Some treatments may pose higher risks than others and therefore attract higher premiums. For example, salons offering advanced treatments such as laser hair removal may have to pay more compared to those offering basic hair and beauty services.

Number of Employees

The number of employees you have can directly affect your salon insurance cost. More employees mean a higher risk of accidents happening, which could lead to claims. Therefore, insurance providers will often charge higher premiums to salons with more staff.

Claims History

Just like with car insurance, your claims history can significantly impact your salon insurance costs. If you’ve made numerous claims in the past, insurers might see you as a high risk and increase your premiums. On the other hand, a clean claims record can help to keep your insurance costs down.

Add-on Options

There are several add-on insurance options available for beauty salons, such as equipment insurance, product liability insurance, and business interruption insurance. Each of these add-ons comes with an additional cost but can provide valuable protection for your business.

Payment Method

The way you choose to pay for your insurance can also impact the overall cost. Paying annually usually works out cheaper than monthly payments, but this may not be feasible for all salon owners. It’s essential to consider what works best for your financial situation.


Opting for a high-excess plan can indeed reduce your insurance premiums. However, it’s crucial to remember that this means you’ll have to pay more out of pocket if you need to make a claim.

Reducing Your Beauty Salon Insurance Expenses

There are several ways to potentially reduce your salon insurance costs. These include maintaining a clean claims record, choosing a high-excess plan, limiting high-risk services, and regularly reviewing your policy to ensure you’re not paying for unnecessary coverage.

Choose Salon Saver

Salon Saver is the new wave in beauty salon insurance. We aim to provide affordable, straightforward, and comprehensive protection for businesses in the beauty industry. Our policies may not have all the bells and whistles, but they certainly cover the core areas necessary to keep your business safe and thriving. At the end of the day, that’s what truly counts. Our goal is to offer inexpensive, essential protection to businesses who know what they need without making them pay for unnecessary extras.

Darragh Timlin

With over 25 years’ experience, Darragh is an expert in all things insurance. Starting his career in commercial property underwriting, Darragh has worked for a number of global insurers and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Darragh Timlin

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