Key Takeaways: Barber insurance is a must for aspiring and well-established barbers alike. Determining what type of barber insurance policy is right for you, including the most important coverages that fit your budget, is key to ensuring that you have a long, successful career.
Becoming a successful barber can look different depending on your journey, your style, your location, and a host of other factors. From your distinctive aesthetic preferences and technical expertise to your educational background and shop vibe, differentiating yourself from other barbers is an exciting aspect of a career in barbering.
No matter how unique you strive to make your barbering business, however, there are some elements of creating a successful career that remain universal. Among these industry-wide must-haves is barber liability insurance.
How to Choose the Right Barber Insurance Policy
Many barbers understand that having insurance is vital, especially those who live in states where coverage is legally required. However, it’s common for barbers to feel overwhelmed when they attempt to sort through all of the options that are available and determine which policy is right for them.
In other words, you may know that insurance is a must, but it can be easy to choose the wrong policy with the right intentions. Before you can select the perfect barber insurance coverage for you and your shop, it’s essential to understand exactly why barber liability insurance is so important.
Why Barbers Need Liability Insurance
Investing in barbering liability insurance protects you and your business from the potentially devastating consequences of a lawsuit. A proper policy will help you cover legal fees, preserve your hard-earned reputation, and protect your livelihood.
There are secondary benefits to carrying barber insurance, as well. For example, letting clients know that you are covered gives them confidence in your professionalism. Whether you are a barber student with a bright future or a seasoned veteran who has built a stellar career, the legal, financial, and practical advantages of investing in a solid barber insurance policy are more than worth the cost.
What Are the Types of Barber Liability Insurance?
There is often confusion regarding the different types of barber insurance. This confusion can lead to analysis paralysis, hasty decisions, and commitment to a policy that doesn’t fit your needs. Understanding what differentiates one type of barber liability insurance from another is the first step to choosing the perfect option for your barber biz.
"A policy for an independent, booth-renting barber could cost as much as $360 per year with other providers ... With National Barbers Insurance, you can secure a well-rounded policy for as little as $169 per year."
There are two primary types of coverage to look for when shopping for barber insurance. The first is professional liability insurance for barbers. This coverage focuses on incidents that occur during and as a result of the services you provide. For this reason, it is sometimes referred to as malpractice insurance. If, for example, you accidentally wound a client’s ear with your shears while cutting their hair, you would benefit from professional liability insurance.
The second type is general liability insurance. Often called “slip-and-fall” coverage, this is the type of barber insurance you want when a client trips over the upturned corner of a rug or slips on a wet spot in your shop. While these incidents may not be a direct result of your professional services, they still happened on your property, making you potentially liable.
How Much is Barber Insurance?
Finding the right barber insurance can seem easier said than done. After all, there’s a good chance that you are operating within a specific budget, and while barber insurance is essential, it can be challenging to find a policy that is both comprehensive and affordable.
The pricing for barber liability insurance can vary wildly depending on your arrangement (Are you a shop owner? A renter? Independent or employed?), your location, and a myriad of other factors. With that in mind, a policy for an independent, booth-renting barber could cost as much as $360 per year with other providers.
Before you retire your razor, take a deep breath and stick with us. Comprehensive barber insurance coverage is available at much more reasonable prices, especially when it is customized to your unique needs. With National Barbers Insurance, you can secure a well-rounded policy for as little as $49 per year (for students), $169 per year for full-time professionals, or $150 per year for a two-year professional insurance package.
Two Year Policy
Secure a rate of $150 per year by opting for our two-year policy, which encompasses all the same benefits
$299/ 2YR
One Year Policy
$169 / YR
Student Policy
Offering the most comprehensive and affordable insurance coverage in the industry for students.
$49 / YR
To learn more about the best barber insurance policies for you and your career, be sure to visit our blog. There, we share valuable barbering resources on a regular basis to help you achieve the success you deserve. You can also subscribe to the NAOB newsletter to receive updates about the latest trends, need-to-know information, and everything else going on in the barbering industry.
