More Than Scissors & Style: Insurance That Keeps Salons Protected

Boynton Insurance Group | Protecting Main Street – Part 2

Hair and nail salons may look glamorous—but behind the scenes, they’re full of risk. Slip-and-fall injuries, chemical burns, stolen tools, and unexpected closures can all cost a salon thousands of dollars if the right insurance isn't in place.

Whether you’re a solo stylist or own a busy salon with multiple chairs, protecting your business means thinking beyond basic coverage.

1. General Liability: Your First Line of Defense

A customer slipping on wet floors or reacting to a hair product could trigger a costly claim. General liability insurance covers medical bills, legal fees, and damages if someone gets hurt or claims harm at your business.

Risk examples:

• Nail client trips over a power cord

• Skin reaction from wax or dye

• Mirror falls and causes injury

2. Professional Liability: For Services Gone Wrong

Even the most experienced stylists can face claims if something goes wrong. Professional liability (also called “errors & omissions”) covers legal costs if a customer claims negligence or unsatisfactory results.

Examples include:

• Burns from curling irons or chemicals

• Hair damage from incorrect coloring

• Complaints of infections from tools

3. Protecting Your Tools & Equipment

Your salon chairs, dryers, and manicure stations aren’t just furniture—they’re how you earn income. Business personal property insurance covers theft, vandalism, and fire damage to your gear.

If your tools are stolen or your salon is damaged in a fire, this coverage helps repair or replace what's lost—so you can get back to business quickly.

4. Business Interruption: When You Can’t Open

A burst pipe or electrical fire could shut your doors for days or even weeks. Business interruption insurance helps cover lost income while you recover, keeping cash flow steady even when services pause.

Why Stylists Choose Boynton

At Boynton Insurance Group, we understand that no two salons are alike. We work with stylists, nail techs, estheticians, and salon owners to create policies that reflect the real risks of the beauty industry.

Here’s what we offer:

✅ Tailored protection for solo booth renters and full-service salons

✅ Coverage for on-site and off-site services (like weddings or events)

✅ Quick response if you ever need to file a claim

You’ve built your salon with care—let’s protect it with precision. Boynton Insurance Group has your back, so you can focus on your craft.

👉 Reach out today to get salon insurance that truly fits your business.

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