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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- Commercial Auto Policies
- Commercial Liability Umbrella Policies
- Artisan and Service Contractors Policies
- Business Owner Policies
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.
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
Commercial liability umbrella policy
Commercial liability umbrella policy
Data compromise and identity restoration
Data compromise and identity restoration
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.
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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.
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- Bloomington, IL