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, rental location damage insurance, stolen equipment insurance, 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.

The coverage limits from NAOB come standard with a $2 million limit for both general liability and professional liability claims and up to a $3 million limit for individual annual aggregate. This means that, no matter how many claims are filed, you personally will have a $3 million limit each year—this isn’t how it always works with insurance companies who use “pool” claims for businesses. 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. Our other benefits include $100,000 for rented facility damage, $25,000 in identity theft protection, and $1,000 in stolen or damaged equipment protection.

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!

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.

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.

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.

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 and $3 million per year. 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!