Beauty & Salon Insurance in West Virginia
You make people look and feel great. We make sure your business is protected.
Beauty professionals work closely with clients and use products and tools that can cause harm if something goes wrong. A bad reaction to hair color, a burn from a curling iron, or an infection from a nail treatment can all lead to claims. The right insurance protects your career and your business. Many beauty businesses can get instant quotes below.
Get an Instant Beauty Business Quote
Many beauty and personal care businesses can get quoted in minutes
Before You Get a Quote
By using this business insurance quoting tool, you understand and agree that:
- Business Information: You will be providing information about your business including your business name, type of work, number of employees, annual revenue, and contact information. If you proceed with a policy purchase, you may be asked to provide additional details such as your EIN, payroll information, and other business data.
- Quote Provider: This instant quote tool is powered by one of our partner insurance carriers. Your quote and any resulting policy will be directly with that carrier.
- Information Sharing: The information you provide will be shared with our partner carrier and Parrack Insurance Agency for the purpose of providing you with accurate business insurance quotes.
- Contact: After completing your quote, you may be contacted regarding your quote results and coverage options. Parrack Insurance Agency may also follow up to ensure you found the coverage you need.
- Not All Businesses Qualify: Our partner carrier has specific eligibility requirements. Some business types, high-risk operations, or businesses outside their appetite may not qualify for instant coverage.
Your information is used solely for insurance quoting purposes and is handled in accordance with our partner's and our privacy policies.
Beauty Professionals We Cover
From solo stylists to full-service spas, our instant quote tool can help many beauty and personal care operations:
Hair Salons
Full-service hair cutting, coloring, and styling
Barbershops
Men's haircuts, shaves, and grooming services
Nail Salons
Manicures, pedicures, and nail art services
Day Spas
Massage, facials, and relaxation services
Estheticians
Skin care, facials, and beauty treatments
Massage Therapists
Therapeutic and relaxation massage
Tattoo & Piercing Studios
Body art and piercing services
Tanning Salons
Indoor tanning and spray tan services
Waxing Services
Hair removal and body waxing
Makeup Artists
Professional makeup application and lessons
Risks in the Beauty Industry
Beauty services involve direct contact with clients and use of chemicals, heat, and sharp tools. Here's what can go wrong:
Allergic Reactions
Hair dye allergies, skin reactions to products, sensitivity to nail products or waxes
Chemical Burns
Perming solution burns, relaxer burns, improper chemical application
Tool-Related Injuries
Burns from curling irons or flat irons, cuts from scissors or razors
Infections
Nail fungus, skin infections from unclean tools, bacterial infections from procedures
Slip & Fall
Wet floors in salons are common, creating constant slip risk for clients and staff
Coverage Options for Beauty Professionals
General Liability
EssentialCovers claims when clients are injured at your location—slips on wet floors, allergic reactions to products, burns from styling tools. Also covers property damage.
Learn more about general liabilityProfessional Liability
EssentialAlso called malpractice or errors & omissions coverage. Protects against claims that your service caused injury—bad hair color reactions, skin damage from treatments, infections.
Learn more about professional liabilityProperty Insurance
EssentialCovers your salon equipment, furniture, styling stations, and inventory from fire, theft, and damage. Professional beauty equipment is expensive to replace.
Learn more about property insuranceProduct Liability
EssentialIf a product you sell or use causes harm to a client, this coverage responds. Important because you can be held liable even if you didn't manufacture the product.
Learn more about product liabilityWorkers Compensation
EssentialRequired in West Virginia if you have employees. Beauty workers face risks like repetitive strain, chemical exposure, cuts, and slips on wet floors.
Learn more about workers compensationBusiness Income/Interruption
If your salon is closed due to a covered event like fire or water damage, this covers lost income while you rebuild.
Learn more about business income/interruptionRental Equipment Coverage
If you rent or lease equipment like styling chairs or specialized tools, this covers damage or theft.
Learn more about rental equipment coverageBooth Renters & Independent Stylists
If you rent a booth or chair at a salon, you're typically running your own business. The salon's insurance usually doesn't cover you. You need your own policy that includes:
- General Liability: Covers client injuries and property damage claims
- Professional Liability: Covers claims that your service caused harm
- Product Liability: Covers claims from products you use or sell
- Equipment Coverage: Protects your tools and supplies
The instant quote tool works for both salon owners and independent booth renters.
Ready to Protect Your Beauty Business?
Try the instant quote tool above for fast coverage, or call us to discuss your specific needs. We help beauty professionals throughout West Virginia.
Looking for a different location?
We also serve other areas in West Virginia
Jon Parrack Insurance
Serving Point Pleasant, Mason County (WV) & Southeast Ohio
Point Pleasant, WV