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What is barber insurance?

Barber insurance, similar to hairdresser insurance, is a policy for self-employed barbers, hairdressers, barbershops or salons meant to protect them from various liability risks. While being a barber/hairdresser isn’t dangerous per se, there are aspects of your job that might put your financial well-being at risk. And in business, financial well-being is everything.

As a business, your primary directive is to deliver a service to your clients that meets their needs. Let’s assume that you’re doing a beard trim, and somehow, you mess up the trim (or get accused of doing so). You might be forced to pay your client to make up for the perceived damage. Or if you want to oppose the legally, you might have to pay for a lawyer, which isn’t cheap.

New businesses are especially vulnerable to financial blunders of this nature, as they rarely have sufficient funds to handle them (plus their owner tend be less experienced, and thus, make more mistakes). This is why it is especially important to insure your business, even if it is just the basic insurance package.

What barber insurance includes

Barber insurance typically includes several core coverages:

Recommended add-ons for barber insurance coverage

While the core coverages provide essential protection, there are additional options that can further safeguard your business, such as:

Common types of barber insurance claims

Understanding the common claims in the barber industry can help you appreciate the importance of comprehensive coverage:

How much does barber insurance cost?

Depending on where you are located, the size of your operation and similar factors, the cost of your insurance will be unique to you. That’s because insurers base their premiums on risks individual to each business. For instance, if your barbershop is in a precarious area, with a high risk of break-ins, your premium may be higher (or lower, if the opposite is true).

Most small businesses that involve one or a handful of people shouldn’t expect to pay more than $2,500 a year. That said, this amount is on the extreme end of things. As a small-time barber, you should expect to pay about $500 to $1,500 a year.

Here are some of the factors that might influence your premium:

How to get the cheapest barber insurance rates?

Getting affordable barber insurance without compromising on coverage requires some strategic steps:

Barber insurance in Canada: What you need to know

If you're operating a barber shop in Canada, there are specific considerations to keep in mind: