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Salon insurance guide

General liability for salons

General liability protects a salon when a client or visitor is hurt on the premises, or when their property is damaged, and the injury is not caused by a beauty service itself.

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Typical salon claims

  • A client slips on hair clippings or a freshly mopped floor
  • A child trips over a dryer cord in the waiting area
  • A coat or handbag is damaged by spilled color
  • A retail product causes a reaction after the client takes it home

Limits and leases

Shopping-center and street-front leases often specify a per-occurrence limit, an aggregate limit, and additional insured status for the landlord and property manager. Send the lease insurance section to your agent before you sign it, not after.

What it usually excludes

  • Injuries from haircuts, color, waxing, or other professional services
  • Employee injuries, which belong on workers' compensation
  • Damage to your own equipment and build-out
  • Auto accidents

Ask for a salon general liability quote.

Frequently asked questions

Does general liability cover a client burned by a chemical service?

Usually not by itself. Injuries caused by the service you perform are typically a professional liability matter. General liability handles premises accidents like a slip on a wet floor.

Will my landlord require it?

Almost every retail lease requires the tenant to carry general liability, often with the landlord named as additional insured.

Does it cover products I sell?

Many salon policies include products-completed operations coverage for retail items, but check whether private-label products are treated differently.

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Last updated October 15, 2026 · How we research