Beauty Shop and Barber Shop Insurance

Ideal Accounts and Eligible Classes

This program fits a wide range of personal-care risks, including:

• Beauty salons and shops
• Barber shops
• Independent operators and booth renters
• Masseuses and massage providers
• Manicurists and nail technicians
• Ear-piercing technicians
• Makeup artists
• Facial and skin-care providers

Whether you have a boutique salon, a solo esthetician, or a multi-chair barbershop, this program scales to match the size and service mix of the account.

Coverage Highlights and Advantages

Cochrane & Company’s program combines broad liability protection with property and specialty coverages tailored to personal-care operations:

• Primary liability limits up to $3 million occurrence/aggregate
• Hired & non-owned auto liability available
• Included coverages:
  • Errors & omissions (professional liability) — included to policy limits
  • Independent contractors can be added as additional insureds
  • Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate, with optional higher limits
  • Medical payments — $5,000
• Excess/umbrella limits up to $25 million

Property and Ancillary Coverages

Property protection addresses common exposures for salons and shops:

• Building and business personal property
• Business income and extra expense
• Basic, broad, or special form available
• Replacement cost or actual cash value valuation
• Inland marine and equipment breakdown (for salon equipment)
• Accounts receivable, computer equipment, outside signs, and valuable papers

Deductible: No deductible required for this program. Crime coverage: Available for inside and outside the premises.

Underwriting Notes and Minimum Premiums

Underwriting is handled by experienced underwriters who understand the nuances of personal-care risks. Minimum premium and rate depend on the account’s size, revenue, services offered, and state filing requirements. Typical considerations that affect placement include:

• Services performed (e.g., advanced cosmetic procedures vs. standard hair or nail services)
• Number of chairs/operators and payroll/exposure size
• Prior claims history and risk control measures
• Whether independent contractors are on-site and how they are managed

Minimum premiums vary; contact a Cochrane & Company market specialist to discuss specific account thresholds and appetite.

Territories and Availability

This program is available on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability may vary by carrier and the specific risk profile—confirm state eligibility when submitting business.

Why Work With Cochrane & Company?

Cochrane & Company is a managing general agency with deep niche expertise in small commercial and specialty risks. Agents benefit from:

• Access to specialty carriers (including A+ XV-rated markets where available)
• Underwriters experienced with personal-care and grooming exposures
• Flexible limits and packaged solutions that address both liability and property needs
• Options for adding independent contractors and handling sensitive exposures (e.g., sexual/physical abuse coverage)

Example placements: You might have a client who runs a multi-chair salon offering color, cuts, and facials seeking combined liability/property protection with E&O included; or a solo barber who rents a booth and needs a primary liability policy with hired/non-owned auto and equipment coverages. Both are the types of accounts this program is designed to place.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.