Salon & Spa Insurance
4.8/5 on
Cover up to 10 stations — and the technicians who work them — with one smart policy.*
- Covers Your Stations & Staff
- General & Professional Liability Protection
- Pay-by-Station Pricing
- Customizable, Comprehensive Policy
What Is Salon and Spa Insurance?
Salon and spa insurance is a combination of coverages designed to protect your business from common claims that come with running a client-facing operation. Say a client is injured during a service, or a stylist makes a mistake. As the owner, you’re responsible for damages — and with an insurance policy, you won’t have to face the costs alone.
How Much Is Salon and Spa Insurance?
Salon and spa insurance starts at $31.08 per month or $349 per year for general and professional liability coverage. This base policy is priced with a simple pay-by-station model — simply pay for the number of stations you want to insure. Any stylist or practitioner who works at those insured stations is automatically covered under the business’ liability policy.
Need additional coverage for business property or workers compensation? Your final premium depends on several factors, including business type, the services you offer, your annual revenue, and the number of employees you have. Our licensed agents will walk you through your options and help you find coverage that fits.
What Does Salon and Spa Insurance Cover?
Salon and spa insurance is built around the specific risks of running a beauty business. Your policy can include:
Why Do Salon and Spa Owners Need Insurance?
When you own a business, you’re responsible for more than just your work. You’re responsible for every client interaction, every employee action, and everything that happens on your property. A single slip-and-fall injury or skin reaction can put serious financial strain on your business.
Salon and spa insurance is customizable coverage that protects how your business operates, so you can focus on providing exceptional services every time you open your doors.
Coverage Details
General & Professional Liability Aggregate
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$3,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Damage to Premises Rented to You
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
$300,000
Inland Marine (Tools & Supplies Coverage)
From +$2/Month
Cyber Liability Insurance
From +$6.58/Month
Fitness Trainer Endorsement
+$2.75/Month
Cupping or Microcurrent Endorsement
+$2.92/Month
Sexual Abuse & Molestation Coverage
From +$12.83/Month
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Our licensed agents will help you build the right policy for your business — typically within one business day. Start your application online or give us a call at 844.520.6993.
What Types of Salons and Spas Qualify for Coverage?
Salon and spa coverage is designed for a wide range of business types, including:
- Nail salons
- Hair salons
- Day spas
- Barbershops
- Full-service spas
- Hammam spas
- Massage spas
- Resort spas
- Health spas
- Franchises
Still not sure? Contact us — our U.S.-based, licensed team would love to help.
Run your business with real peace of mind. Insurance Canopy has your stations and team covered.
- 100% online application
- Instant liability coverage available
- Customize your policy to your salon or spa
- Protection tailored for beauty and bodywork
- Manage your coverage online
FAQs About Salon and Spa Insurance
Does This Policy Cover My Employees and Technicians?
Yes, your policy can cover up to 10 stations and the technicians who work them. Salon and spa insurance offers simple blanket coverage so you can focus on your business — not on managing separate policies for each person on your team!
Do Booth Renters Need Their Own Insurance?
Yes, it’s highly recommended for booth renters to carry their own insurance. Your insurance policy provides blanket coverage for the professionals who work at your insured stations, but it’s smart to require independent contractors to show proof of coverage as an extra layer of protection.
Is Workers Compensation Required for Salons and Spas?
Requirements vary by state, but most states require workers compensation coverage if you have one or more employees. Our agents can help you determine what’s required for your business.
Can I Add Coverage as My Business Grows?
Yes! Your policy can be customized with additional coverages, including workers comp, cyber liability, and business property coverage, so it grows alongside your salon or spa.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
*Currently unavailable for purchase in Missouri.
**SAM coverage is currently unavailable for male massage therapists.
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