Salon and Barber Insurance in North Carolina

Why Might a Salon or Barbershop in North Carolina Need Insurance?

Running a grooming or beauty business in North Carolina involves daily interaction with clients, tools, chemicals, and equipment. Even the most experienced professionals can face unexpected situations. For instance, a client may experience an allergic reaction to a product, or a piece of equipment could cause injury or property damage.

Insurance may provide support in the event of accidents, customer injuries, property loss, or equipment breakdown. While every policy is different, having the right insurance plan in place could help manage the financial burden that comes with unforeseen incidents.

What Types of Coverage Are Typically Considered?

Salon and barber business owners often explore a range of coverage options, depending on their size, services, and location. While every business is different, here are some common areas that may be considered:

• General Liability Insurance: This coverage may help with claims related to third-party injuries or property damage. For example, if a client slips on a wet floor or experiences damage to personal property while at your salon.
• Professional Liability Insurance: Also known as errors and omissions coverage, this option may be relevant if a client claims that a service you provided led to an injury or undesirable outcome.
• Commercial Property Insurance: If you rent or own a building, this type of insurance may help with repair or replacement costs resulting from covered events like fire or theft.
• Business Owner’s Policy (BOP): Some small businesses may consider a BOP, which often bundles general liability and property coverage into one package. This can be a convenient option for qualifying businesses looking for broad coverage.
• Workers’ Compensation Insurance: In North Carolina, businesses with three or more employees are typically required to carry workers’ compensation insurance. This coverage may help pay for medical expenses and lost wages if an employee is injured on the job.
• Equipment Breakdown Coverage: Many salons rely on dryers, clippers, and other electrical tools. Equipment breakdown coverage may offer protection if a critical piece of equipment fails due to mechanical or electrical issues.
• Product Liability Insurance: Salons that sell haircare or skincare products may look into this type of coverage. It may help if a customer experiences harm after using a product you sold.

How Can North Carolina Salon Owners Get Started?

Starting the process is easier than you might think. At Pegram Insurance Agency, we work with salon and barber professionals throughout North Carolina. We’re happy to discuss your business needs and help you explore coverage options that make sense for your goals.

Whether you’re opening your first location or expanding into new services, we’re ready to help you navigate the insurance landscape with clarity and confidence. Reach out to Pegram Insurance Agency for a no-pressure conversation. We’ll walk you through your options and help you take the next step in protecting what matters most—your business, your team, and your peace of mind.