Cover Smart

Insurance for Hair Stylists & Beauticians

Are you an individual hair stylist or beautician looking for business insurance? We're ready to help.

We Build Our Coverage to Meet Your Needs

Styling hair and applying makeup helps your clients look and feel their best. From cut to color and bronzer to blush, we can help you find the right coverage so you can continue doing what you do best.


Get a Quote in Minutes

Pick the Coverage You Need

Find Peace of Mind

We Target the Businesses That We Know Best

General liability, professional liability, property, and data security.
See if you are a fit for our competitive pricing.

hairstylist with client

General Liability

If you are styling a client's hair in their home and accidentally knock over a laptop, you can be held responsible for replacing the broken item. General liability can cover the replacement cost.

Professional Liability

If the makeup you use stains your client's shirt, they can bring a claim against you. Professional liability can cover the potential damages of the claim.

Business Personal Property

If your equipment is lost, you can be covered for its replacement.

Data Security

If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing. Cyber liability can cover the costs and guide you through the process.

Coverage is based on the terms, conditions, limitations, and exclusions of your policy.
Be sure to read  your policy to verify your coverage.

Best Practices Resources

Our best practices are a practical guide to help you avoid unnecessary claims.

Keep the space around your chair clean - It is extremely important to keep the floor around your workspace clear. Clients can and do trip and fall, which can result in a claim.

Do not use your client's image without their permission - Barbers, hairstylists and beauticians commonly use photos of their clients to promote their own work. You must obtain the correct permissions to use someone else's photo for commercial gain.

Avoid refusing service to a potential client - Discrimination lawsuits occur when a client feels they have been refused service due to their race, gender or religion. These suits can be costly and time consuming.

Price your haircuts by the work performed - Haircuts are occasionally priced based on whether a men's or women's cut is being provided. In order to avoid gender discrimination claims, it is advisable to price based on service provided, such as the length of the cut.

Post your prices clearly with the corresponding service - By presenting your prices next to the description of service, your customers will know what they are being charged up front. With clearly displayed pricing, you can avoid disputes regarding what you charge for your services.

CoverSmart is the best way to buy business insurance.

CoverSmart is an online quoting platform to purchase insurance from one or more USLI companies. USLI companies are members of the Berkshire Hathaway family of companies and have an A++ Superior rating for financial stability from A.M. Best Company.