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Business insurance for Cosmetologists, Day Spas, and Barber Shops

Get the affordable coverage you want, styled to meet your unique small business needs.

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Why you need Cosmetology, Day Spa, and Barber Shop Insurance

No need to comb the internet. Let us cut a small business insurance policy to fit your needs. We can help with:

  • On-premises injuries - Body scrub precariously dripped on spa floors can threaten your dream business. Get covered against customer injuries sustained during routine visits.
  • Theft – Your inventory is carefully curated. So it’s frustrating when supplies – hair extensions, gel nail polishes or gold hoop septum rings – go missing. We can help replace stolen products in the event of a covered claim.
  • Loss of income – Fire or theft can temporarily close your business, resulting in loss of income. Protect against loss with small business insurance.
What Cosmetology, Day Spa, and Barber Shop Insurance covers

We’ll start with a package of coverages that most beauticians, barbers, aestheticians, and day spa owners need. Then we’ll help you customize it to fit your unique business. The result? Cosmetology, Day Spa, and Barber Shop Insurance crafted for you and served up at a surprisingly great rate. Coverages offered include:

  • Property – Protects your business building, contents, and equipment from a covered accidental direct physical loss.
  • General Liability – Coverage against costly claims and lawsuits covered by your policy.
  • Loss of Income – Covers the actual loss of business income caused by a suspension of operations – including incurred expenses – due to a covered claim.
  • Professional Liability – Protects you against claims and lawsuits arising from your professional services.
  • Computer Property – Provides broad coverage, with certain exclusions, for business computer equipment.
  • Equipment Breakdown – Insures your covered property against damage due to mechanical breakdown and artificially generated currents.
  • Utility Interruption Loss of Income – Protects you when the loss of communications, water, natural gas, or electrical service utility services interrupts your business.

Consider adding additional coverages

Depending on the type of business you own, the number of employees you have and other factors, what’s generally covered might not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Workers’ compensation

Workers’ compensation

Workers’ compensation protects your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Commercial liability umbrella policy

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you extra financial protection against costly lawsuits that may exceed your policy limits.

Data compromise and identity restoration

Data compromise and identity restoration

Data compromise and identity restoration can cover you in case of a data breach or if you, the business owner, become a victim of identity theft.


Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses1 like yours. Here’s why:
agent know how

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.

Customizable insurance

Customizable insurance

We offer an array of coverage options that can be combined into one affordable policy.

Exceptional service

Exceptional service

Since 1935, we’ve been here to help small business.


Talk to a local State Farm agent


 1  “The 7 Best Small Business Insurance Companies of 2022."Investopedia.

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

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