Salon, Barber and Personal Care Business Insurance

• General liability insurance – Covers third-party claims for bodily injury or property damage. For personal care businesses, this means coverage when a client slips on a wet floor, a visitor trips over equipment or a third party suffers property damage related to business operations.
• Property insurance – Covers salon equipment, tools, furnishings and inventory against losses from fire, theft or certain natural disasters. For businesses that rely on specialized tools and equipment to operate, this coverage helps cover the costs to repair or replace the physical assets the business depends on every day.

• Professional liability insurance – Covers claims of mistakes or negligence in providing personal care services. Coverage is included within general liability limits and extends to situations where a client claims a service caused injury or did not meet professional standards.
• Business income insurance – Helps replace lost revenue and cover ongoing expenses if a covered event forces a temporary closure. For a salon or barbershop that relies on daily appointments, even a brief closure from fire or water damage can create significant financial pressure.

• Cyber liability insurance – Covers cyber extortion, business interruption, data restoration and cybercrime. For personal care businesses that store client payment data and rely on online booking systems, cyber coverage helps manage the costs of a breach or attack – including forensic investigation, notification and data recovery.
• Employment Practices Liability (EPL) – Covers employment-related claims such as wrongful termination, discrimination and harassment. Coverage includes sublimits for immigration and workplace expense reimbursement, plus access to risk management resources.
• Commercial auto insurance – Covers vehicles used for business purposes, such as traveling between locations, supply runs or off-site client visits.
• Workers compensation insurance – Covers medical expenses and lost wages for employees injured on the job. In personal care environments, this includes repetitive motion injuries, chemical exposure and slip-and-fall incidents that occur during the workday.

• Liquor legal liability – For personal care businesses that serve alcohol to clients, such as spas or salons that offer wine, this coverage helps protect against claims arising from alcohol-related incidents.
• Professional services premier – A suite of more than 40 property and business income disruption coverage enhancements tailored specifically for personal care businesses, including $350,000 in blanket coverage for additional protection.
• Xtend Endorsement^® coverage – A package of 12 general liability enhancements, including blanket additional insureds, broadened coverage for unnamed subsidiaries and a blanket waiver of subrogation that protects trusted business partners from recovery of damages.
• Umbrella insurance – Provides an additional layer of liability protection above the limits of underlying policies, helping address high-cost claims that exceed primary coverage limits.

Sources
¹ Travelers Claim Data Closed Year (2018–2024), GL Bodily Injury only.
² NAIC Schedule P data, 2024. Includes CMP Liability, Other Liability – Occurrence & Product Liability.
³ Travelers Injury Impact Report 2026. 
^4,5 S&P Global Market Intelligence, 2024 U.S. Statutory Direct Written Premium.
⁶ Travelers Agent Claim Satisfaction Study, July 2025.