How can you insure yourself when working inside a salon?

    This is a question that we've heard over and over, within the past few years, so we wanted to do something to answer the question and also give beauty professionals an option that can help them obtain insurance coverage almost instantly. We have developed our own website that allows you to research the type of insurance you need when working inside a beauty salon, and it will also allow you to obtain the insurance coverage that you need. Our site,, can help beauty professionals whether they are independent contractors or business owners in Cleveland or anywhere else in Ohio! 

     We found that many of our beauty professional clients, whether they were full time hairdressers or just did nails on the side, were asking us whether or not they should have insurance or they mentioned that their salon owner was requiring them to get an insurance certificate but they weren't even sure what that meant. If you aren't even sure what type of insurance you are being required to carry, let alone what the best insurance for you should be, then you likely are going to be paying for insurance that doesn't fit your needs as a professional or part time beauty expert. 

    What are some of the frequent questions we get asked? We have included some of them with some basic answers that should help you better understand your insurance needs. We do however recommend that you seek out professional insurance advice from a trusted insurance agent, we would be happy to chat with you further, just give us a call at 440.233.6199! Many hair dressers ask us what they average policy premium would be to insure themselves when working in a salon, and in our experience, you will typically pay around $250 a year for your general liability insurance. (This is the coverage that many salon owners will ask you to carry on yourself and it will help protect you in the event of a liability claim.) We are currently able to offer you two payment options as well, which allow you to either pay in full for the year (which usually gives you a discount) or you can pay monthly. Another question we get is, can we insure our tools in case of theft since we leave them at the salon many times? The answer to that question is yes, absolutely, you would just want to purchase specific coverage that would cover your tools in the event of a theft.

What types of coverage are available?

The salon policy offers general and professional liability for the beauty professional with limits up to $1,000,000/$3,000,000 occurrence/aggregrate. (If you're not sure what the insurance liability limits mean, just give us a call or visit our website to learn more)

Also included;

Professional Liability

Medical payments-Up to $10k

Cancer/Long Term Skin Damage

Personal & Advertising Injury

Products and Completed Operations

Why should I buy salon insurance?

    Many times buying insurance while you are working at a salon is not an option, but simply a requirement. The salon owner is not making any money from you buying an insurance policy, so you have to ask yourself, why would the owner want me to buy insurance? The simplest answer is usually the correct one, they want to protect themselves! They want to make sure that their salon wont go out of business just because someone trips and falls because of an extension cord that you have lying on the ground in your work space. Buying insurance is not just good for the salon owner, it also helps you out immensely. Would you be able to pay $50,000 worth of medical bills out of pocket for that person that tripped and fell? Most of us don't have that kind of cash laying around, so it would definitely be to your benefit to purchase the insurance coverage for pennies on the dollar to ensure that you can stay in business and are properly protected in case the unexpected were to occur. We don't want to scare you into buying insurance, but we would like to make sure that you are properly protected! 

    The first thing that you need to do is to talk to a licensed professional that specializes in working with salon and beauty professionals. They should have an understanding of your business in order to make a good solid recommendation on purchasing insurance that fits your wants and needs. We created our website so that independent contractors and salon owners could use it as a resource to determine the type of coverage they need to fit them and then go on to purchase that insurance coverage so they can be protected as soon as possible. Whether you are a seasoned professional or you are just starting out, we can help you tailor a unique insurance package to fit your needs and helps you eliminate the cost of insurance that you would never need to use. A standard business owners policy will not address all of the needs of a hairdresser or any beauty professional for that matter, so whether your in Ohio or in our backyard of Cleveland, give us a call or contact us through our site, today!

Merry Christmas!

Along with introducing you to our new product site,, we also wanted to take this time to wish you and your family a very merry Christmas!

We would love to hear from you this holiday season, feel free to connect with us in the following ways...




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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Cobos Insurance Center, Inc. to provide information that may be of interest. Cobos Insurance Center, Inc. is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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