Salon insurance guide
Salon property and equipment coverage
A salon is full of expensive, specialized property: hydraulic chairs, shampoo units, dryers, pedicure spas, tools, and retail inventory. Property coverage pays to repair or replace it after a covered loss.
What to insure
- Styling chairs, stations, mirrors, and shampoo units
- Pedicure spas and nail stations
- Dryers, steamers, and hot tools
- Retail products and backbar stock
- Tenant improvements and plumbing
- Computers and point-of-sale systems
Business income
After a fire or major water leak, rent and payroll keep coming even when clients cannot. Business income coverage is designed for that gap. Ask how long the period of restoration lasts.
Equipment breakdown
Water heaters, HVAC, and electrical systems work hard in a salon. Equipment breakdown coverage can respond when they fail suddenly.
Ask for a salon property quote.
Frequently asked questions
Is my build-out covered by the landlord?
Often not. Tenant improvements you paid for, like plumbing for shampoo bowls, are usually your responsibility to insure.
What about a burst pipe?
Water damage from sudden pipe bursts is commonly covered, while flood and gradual leaks are often excluded.
Can I cover lost income during repairs?
Business income coverage can replace lost revenue and pay ongoing expenses while the salon is closed after a covered loss.
More coverage and guides
- General liability for salons
- Professional liability for beauty services
- Booth and suite renter insurance
- Salon property and equipment coverage
- Workers' compensation for salons
- Nail salon insurance
- Booth rental versus employees
- Preventing chemical service claims
- What affects salon insurance cost
- Salon lease insurance requirements
- Salon insurance application checklist
Last updated October 15, 2026 · How we research