Salon insurance guide
Salon lease insurance requirements
Leases for salons and salon suites usually spell out the insurance you must carry. Missing a requirement can put the lease in default.
Common requirements
- General liability limits per occurrence and aggregate
- Additional insured status for landlord and manager
- Property coverage for your improvements
- Business income coverage
- Waiver of subrogation
- Notice of cancellation
Send the insurance section of your lease when you request a quote.
Frequently asked questions
What is additional insured?
It extends your liability coverage to the landlord for claims arising from your operations.
What is waiver of subrogation?
An agreement that your insurer won't seek recovery from the landlord after a covered loss.
Can I negotiate?
Sometimes. Ask before signing.
More coverage and guides
- General liability for salons
- Professional liability for beauty services
- Booth and suite renter insurance
- Salon property and equipment coverage
- Workers' compensation for salons
- Nail salon insurance
- Booth rental versus employees
- Preventing chemical service claims
- What affects salon insurance cost
- Salon lease insurance requirements
- Salon insurance application checklist
Last updated October 15, 2026 · How we research