The Barber Insurance Glossary & FAQs
National Association of Barbers Offers Affordable, All-Inclusive, Liability Insurance.
Explore our insurance guide and find answers to all of your questions regarding beauty liability insurance—whether you are looking for more information on our coverage or trying to nail down insurance terms.
For more information or to enroll in our program, call (800) 326-5566. We look forward to supporting you in any way we can.
Frequently Asked Questions
What Is Your Privacy Policy
National Association of Barbers understands the importance of clients’ privacy and takes protection of their privacy seriously. National Association of Barbers has adopted the following Privacy Policy that applies to client information that is gained through the natural course of business:
- 1. Acquiring Information. We only gather client information that is either required by law or otherwise needed to provide top service to our clients.
- 2. Your Privacy and National Association of Barbers Employees. Our employees recognize the importance of your privacy. Only select employees who require your information to perform their jobs effectively will have access to your client information.
- 3. Security Standards. National Association of Barbers' access to sensitive information is consistent with legal requirements, protected by the appropriate technological safeguards, and used for the demands of customer service.
- 4.Third-Party Disclosure. We provide individually-identifiable information about consumers to third parties only if ordered to do so by a legal authority, if consent of the consumer has been expressly given, or if it is needed to provide customer service.
Can I Cancel My Policy and Get a Refund
No. When you enroll with National Association of Barbers, you immediately enter the system and a certificate is instantly emailed to you, so our policy is nonrefundable.
If I Lose My Confirmation of Coverage, What Do I Do?
Just contact us and we will mail you a new copy! Your confirmation of coverage is evidence that you have liability insurance coverage. We strongly suggest that you keep your confirmation of coverage in a secure location.
If I Have Stopped Practicing, Am I Still Covered?
If your policy was in effect at the time of an incident, you will be covered by our policy. All professional or product liability claims must be reported within two years after your policy expires.
What Do I Do If There's a Claim?
Call National Association of Barbers at 800.964.0158 and report the event as soon as you possibly can. We will immediately send you a claim form to fill out.
Are Certain Practices or Services Not Covered Under My Policy?
National Association of Barbers policy will not cover invasive practices, permanent makeup, and any services including use of lasers. The policy will not provide coverage for charges of sexual harassment.
Is It Possible to Have My Policy Under My Business Name?
Your policy must be listed under your name as the individual practitioner. However, if you are a sole proprietor, your business name will still be covered. If you operate under a corporation or company, you may list them as an additional insured.
If you own your own salon or barbershop you can learn more about business coverage here.
Does My Policy Cover My Spouse or Employees?
Unfortunately, no. National Association of Barbers provides insurance for the individual practitioner and may not be extended to spouses or employees.
Where Am I Covered?
Your National Association of Barbers insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included. Your policy is also mobile and follows you in or out of the barber shop, and wherever you may be providing services.
Do You Offer a Policy Covering My Entire Barber Shop or Salon?
Yes, National Association of Barbers has partnered with insurance industry leader, Allstate Business Insurance, to provide a Business Owner Policy (BOP.)
Glossary of Insurance Terms
- Additional Insured: A person or entity added to the certificate of insurance who is protected from the named insured’s negligence; this is typically an employer or landlord.
- Aggregate Limit: The maximum amount of coverage available to a policyholder during the policy term; this limit is dependent on a period of time rather than an individual claim.
- Broker: An independent insurance firm or contractor who searches the marketplace in the interest of buyers, rather than insurance companies.
- Claims Made Policy: A form of insurance that only covers policyholders for claims filed while the policy is active; if an incident occurs during the policy term but is not reported until after the policy expires, it will not be covered.
- General Liability Insurance: Insurance that protects the policyholder in the event that a client trips, falls and suffers an injury while on their property; this coverage applies to claims resulting from personal injury, bodily injury or damage to others’ property, and is often called “trip and fall” insurance.
- Identity Theft Protection: Coverage that reimburses the insured for expenses arising from identity fraud.
- Individual Aggregate Limit: The total amount of coverage available to an individual policyholder during the policy year; this limit only applies to one person and is not impacted by claims filed against others.
- Occurrence Form Policy: A policy form that covers the insured for any claims filed during or after the policy term, as long as the actual incident in question occurred while the policy was active.
- Product Liability Insurance: Insurance that protects the policyholder in the event that a product used during a client session injures or affects the client in a negative way.
- Professional Liability Insurance: Insurance that provides protection against lawsuits claiming negligence, misconduct or incompetence on the policyholder’s behalf; also called malpractice insurance.
- Qualifying Event: An incident that triggers coverage for an insured individual.
- Rental Damage Insurance: Coverage that protects the insured from accidental damages to property rented by the insured; this applies to any space that a professional rents or leases for their practice, from the dry wall in.
- Shared Aggregate Limit: The maximum amount of coverage available to all individuals insured under the same shared-limit program or master policy; this amount decreases every time a claim is paid on behalf of an individual policyholder.
- Stolen Equipment Insurance: Coverage designed to protect the policyholder from equipment theft or damage due to fire, water, etc.; covers the cost of replacing the stolen or damaged piece of equipment used in one’s business, but does not cover damages due to wear and tear or misuse.
