What Kind of Insurance Do I Need for a Barber Shop?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 26
- 2 min read
Starting a barber shop is an exciting step into the personal care and grooming industry. Whether you're offering haircuts, beard trims, or styling services, protecting your business with the right insurance is essential. From customer injuries to equipment damage, barber shops face unique risks that require specialized coverage.
In this guide, we’ll break down the types of insurance every barber shop owner should consider—and how Wexford Insurance can help you find the right policy tailored to your needs.
Why Barber Shop Insurance Is Important
Barber shops are hands-on businesses with daily customer interaction, sharp tools, and expensive equipment. Without proper insurance, a single incident could lead to costly legal or financial consequences. Insurance helps you:
Protect your assets and equipment
Cover liability claims
Comply with local regulations
Build trust with clients and landlords
💡Read more: Why Small Businesses Need Insurance
Essential Insurance Policies for Barber Shops
This is the foundation of your coverage. It protects you if a customer slips, falls, or gets injured in your shop. It also covers property damage and legal fees.
If you own or lease a physical location, this policy covers damage to your building, furniture, fixtures, and barber equipment due to fire, theft, or vandalism.
If you have employees, this insurance is often legally required. It covers medical expenses and lost wages if a staff member gets injured on the job.
If you offer mobile barber services or use a vehicle for business errands, this policy covers accidents, liability, and vehicle damage.
Barber shops rely on expensive tools like clippers, chairs, and POS systems. Equipment insurance helps you repair or replace these items if they’re damaged or stolen.
Not all insurance providers understand the unique needs of barber shops. When choosing a provider, look for:
Industry expertise: Do they specialize in grooming or personal care businesses?
Custom coverage: Can they tailor policies to your services and equipment?
Claims support: Do they offer fast, reliable claims assistance?
Reputation: Are they trusted by other barber shop owners?
Final Thoughts
Insurance isn’t just a safety net—it’s a smart investment in your barber shop’s future. From liability protection to equipment coverage, having the right policies in place gives you peace of mind and credibility with clients and partners. At Wexford Insurance, we specialize in barber shop insurance tailored to the grooming industry. Let us help you find the coverage that fits your business.
