Professional Barber Liability Insurance
As a professional barber, you take pride in providing high-quality service to make your clients look and feel good.
You hold the power of helping them feel better about themselves and their appearance after leaving your chair.
With this focus, the positive change you make for your clients influences the rate of growth in the world of men’s grooming.
The average claim in the barber industry is more than $5,000, don't get caught without coverage. National Association of Barbers offers the most comprehensive and affordable protection in the industry, and more than $500+ of exclusive member-only benefits.
Why Do I Need Professional Barber Insurance?
The chair will mostly serve as a place of restoration from the real world for your clients. With the blending of training and compassion, you use shears, clippers, straight razors, and more to uplift appearances and confidence.
Unfortunately, no one’s hand is perfect—the same tools you use to help your clients could potentially harm them. Let’s face it, accidents happen that can be out of your control, but you may still be held responsible.
That Need Coverage
Paying the average cost to defend a slip and fall lawsuit ($25,000 to $50,000) could become both a financial and legal nightmare. We want to help you stay protected from these claims so you can continue the work that you do.
What Services Are Covered?
Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.
STUDENT LIABILITY INSURANCE
ONLY $25 PER YEAR
Don't Worry- Students Are Covered, Too!
National Association of Barbers Insurance Plus offers first-year policies for students, available at only $25. We want to make sure you are insured with the full benefits of our professional program at a discounted rate before the launch of your career. Coverage is provided for 12 full months, continuing after graduation.
*Students must have an effective policy date prior to their graduation date.
Compare Barber Liability Insurance by Company
|Associated Hair Professionals||Next Beauty Insurance||National Association of Barbers||Hands on Trade Association||Beauty & Bodywork Insurance|
|Professional & General Liability Included?|
|Product Liability Included?|
|Personal and Advertising Injury Included?|
|Identity Protection Coverage Included?||$$$Add'tl Cost|
|Health, Dental & Vision Coverage Access Included?|
|Includes Member Benefits?|
|Coverage in 50 States?|
|Monthly Payment Options?|
|Price||$199||At a Quote||$159||$169||$96|
Barber Insurance Frequently Asked Questions
What Kind of Liability Insurance Do Barbers Need?
Your line of work puts you face-to-face with clients every single day—from using sharp razors and scissors to other tricky tools of the trade, you’re up close and personal with your customers a lot. And while that’s likely one of your favorite parts of the job, it also something that opens you up to a lot of risks—no matter how experienced, skilled, or professional you are.
When it comes to insurance you need in your line of work, you should invest in a policy that provides generous limits for both general liability claims as well as professional liability claims (yes, there’s a difference).
General liability is the risk you assume just by allowing customers to walk onto your property—most commonly, this is known as “slip and fall” insurance. This usually applies to general risks like a customer tripping over a loose tile and injuring themselves—a situation in which they can hold you liable for their damages.
Professional liability, often called malpractice insurance, is the type of coverage that provides provisions for injuries or other events of loss that happen during the process of you providing your unique service. Say your razor slips during a shave and you accidentally cut your client or a chemical you’re working with gets in your customer’s eye—professional liability insurance will help protect you in these events.
NAOB’s barber insurance policies take your coverage to the next step by going far beyond the minimum of what you need—we also provide you with product liability, advertising injury coverage, identity protection plans, and more. In other words, no matter what risk you’re dealing with in your line of work, we’ve got your back.
What are the Coverage Limits of a National Association of Barbers Policy?
The coverage limits from NAOB come standard with a $2 million limit for both general liability and professional liability claims . This means that, no matter how many claims are filed, you personally will have a $2 million limit each year. Further, you’ll have $2 million product liability coverage, which means that if a product malfunctions and causes damage, loss, or injury, you’re protected. Some of our other benefits include $25,000 in identity theft protection, occurrence form coverage, personal Injury and advertising Injury with a $2 million limit, and more.
Do Students in Barber School Need Barber Insurance?
Without question! Yes, during school, you’re still learning—but as a barber, you learn with hands-on, face-to-face experience. This is one of the easiest times to make errors or mistakes. Unfortunately, even the smallest accident can lead to a claim being filed against you. By investing in our insurance for $25 for an entire year of coverage, you’re putting yourself in the right position to be protected against any eventuality. As a bonus, you’ll have all of our members-only benefits available to you—just like our professional members—at the student rate!
I’m Renting a Chair at a Barbershop; Do I Need Barber Insurance?
Investing in insurance is crucial for barbers—no matter when, where, or how they work. Whether you’re working in your own, self-run shop or are renting a chair in a third-party shop, insurance makes all the difference in the world. When you rent a chair in a shop, you’re classified as an independent contractor, which means that you’re likely not covered under that salon’s liability policy. It’s up to you to provide the protection you need should a claim arise while you’re providing services to your clients.
What Are the Benefits of Being an NAOB Member?
For starters—peace of mind. Not only can you rely on NAOB having your back with their robust coverage limits for general and professional liability, but you can also rest easy knowing you’re granted the gift of surety, which allows you to practice your craft with complete confidence. With that in mind, you can do the best job possible.
But more than that, being a NAOB member opens the door to barber-tailored exclusives—like our Barber Resource center, which is home to knowledge, insight, and professional advice for your business via eBooks, education tools, and more. Further, we’ll give you access to a free, customizable website template to help you start getting the word out about your business.
What’s the Difference Between Claims-Made and Occurrence Form Barber Insurance?
Claims-made coverage is a type of policy that states a claim must be made while a policy is active in order for it to be covered—at NAOB, this is not the type of policy we offer. Instead, we offer occurrence form coverage, which is a type of policy that states even if your policy is long-expired, should a claim be made against you for an event that occurred while your policy was still in effect, we’ll be sure to have your back. With us, you’re absolutely covered, no matter what.
How Much is a Barber Insurance Policy From the National Association of Barbers?
We’re proud to offer some of the best rates in the industry because we believe the best insurance shouldn’t be out of reach for professionals like you.
For a one-year policy with NAOB, our current rate for professionals is $159 annually, which covers professional and general liability insurance up to $2 million per occurrence. For a two-year liability plan, we offer insurance policies at $279.95, which offers you nearly $40 in savings when you opt for two years of coverage.
The best part? There are even more options to choose from. Our student rates are just $25 for a year’s worth of coverage and we also offer a benefits only plan (insurance excluded) for $39 per year that grants you access to identity protection, a professional website, and tons of discounts and special offers!
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