Sharp Styles, Meet Smart Insurance
Your hair salon, nail salon, or barber shop helps others look and feel their best. Whether you’re a sole proprietor cutting hair on your own or managing a team of stylists, having the right small business insurance is a must to protect you and your shop from potential risks.
Exclusions for Personal Care Services
Business Types:
- Barber Shops/Beauty Salons/Nail Salons except if they provide permanent makeup services.
*All policies subject to underwriting review.
Personal Plans for Personal Care Businesses
No single salon service or barber shop works for every customer, so why should insurance? With a range of available coverages, Westfield is your one-stop shop for small business insurance. Learn about each of our products and
the special endorsement below.
Imagine insurance as it should be – built to change with your personal care business. Whether you own one salon or 10, you start with a solid policy that has options to add coverage and limits based on what you need. Go ahead and grow … or even scale back if you need to. We’ll adjust. Watch the video
A single cyberattack can disrupt your business and reputation. If your salon or barber shop does become the target of an attack, Westfield cyber insurance helps you respond to impacts like breach of personal information, hacks into your computer system, or damage to data and systems. It can also cover costs associated with related litigation. Learn more
All small businesses can lose revenue when equipment is damaged from power surges, electrical shortages, or employee mishaps. Equipment breakdown insurance covers the cost to repair or replace equipment or property damaged by the breakdown, including lost productivity. Learn more
Your employees make your salon or barber shop run, but they can also create additional exposure to risk. Employment Practices Liability Insurance (EPL) protects your business in the event of wrongful termination, discrimination, or harassment suits with reimbursement for legal costs, judgements, and settlements. (Note: EPL is distinct from Workers’ Compensation coverage.)
There’s a lot to lose in the event of a fire or flood, even beyond inventory. ALS business income insurance is a robust business interruption insurance plan that covers losses sustained as a result of direct physical loss or damage to your business office by any covered event, giving you the ability to weather any storm.
We make it easy for salon and barber shop owners to expand their coverage. Depending on your facility, it may make sense to select expanded coverages that reach the foundation, underground pipes, even excavation costs and more. On the liability side, add up to 10 additional co-owners, managers, or other business partners.
Your employees are worth protecting. Workers’ Compensation provides wage and medical benefits for employees who are injured or become ill as a direct result of their job.
Special Endorsement for
Personal Care Services
We offer a special endorsement for salons and barber shops known as Professional Liability Coverage. Often called Errors and Omissions, this coverage is designed to protect beauty salons, barber shops, and nail salons from liability when a customer claims negligence or sues for failure to perform.
Why Choose Westfield?
We know a little bit about history and why it matters. Westfield combines the stability of a company more than 175 years old with the imagination of a modern, diverse team to serve the needs of small businesses as they grow, pivot, and expand in a world that is always changing. It’s a combination that builds both reputation and results, which is how we’ve maintained an AM Best Financial Strength Rating “A” since 1934.
What Our Personal Care Services Owners Are Saying About Their Claim Experience
"Westfield made it so simple to make a claim. Our agent was knowledgeable and told us exactly what would happen next. The adjuster was concerned with our loss and provided excellent assistance. We received our claim amount so quickly we barely noticed the loss. Great teamwork!"
"Most efficient claim processing I have experienced in my 40+ years."
"Prompt service, and regular communication from the adjuster. Very quick payment."