Beauty and Personal Care Business Insurance in Tennessee

Business types with their own guide

• Beauty Salon Insurance Chemical burns or allergic reactions from color or relaxers, and more. Read the beauty salon insurance guide.
• Barber Shop Insurance Razor cuts and nicks, and more. Read the barber shop insurance guide.
• Nail Salon Insurance Infections from pedicure tubs or tools, and more. Read the nail salon insurance guide.
• Day Spa Insurance Burns from hot stones, wax, or steam, and more. Read the day spa insurance guide.
• Esthetician Insurance Waxing burns or skin removal, and more. Read the esthetician insurance guide.
• Makeup Artist Insurance Allergic reactions or eye infections, and more. Read the makeup artist insurance guide.
• Tattoo Shop Insurance Infections or blood-borne disease claims, and more. Read the tattoo shop insurance guide.
• Hair Stylist and Booth Renter Insurance Chemical burns from color or perms, and more. Read the hair stylist and booth renter insurance guide.
• Massage Therapist Insurance Injury claims after a massage, and more. Read the massage therapist insurance guide.
• Dry Cleaner and Laundry Insurance Lost or damaged customer garments, and more. Read the dry cleaner and laundry insurance guide.

More beauty and personal care businesses

These business types share many of the same risks. Each has a short overview below.

Tanning salon

Tanning salons face burn claims, equipment breakdown, and slips. Professional or service-related liability, equipment breakdown, and a business owner’s policy are worth reviewing.

Tailor, dressmaker, and alterations

Tailors hold customers’ garments, including wedding dresses and suits. Coverage for customer property in your care (bailee) is the key item, plus general liability for your shop.

Shoe and leather repair

Shoe repair shops hold customer items and use machinery. Bailee coverage for customers’ shoes and bags, plus property and equipment coverage, are common needs.

Personal assistant and errand service

Personal assistants run errands, drive, and sometimes handle clients’ money or homes. General liability, hired and non-owned auto, and a bond for client property are worth asking about.

Coverages common in beauty and personal care

• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Professional liability (E&O) Covers claims that your advice, design, or professional service caused a client a financial loss.
• Business owner’s policy (BOP) Bundles general liability with coverage for your business property, and often business income, for many smaller businesses.
• Products liability Covers injury or damage caused by products you make, sell, or distribute. Usually part of general liability.
• Tools and equipment (inland marine) Covers tools and gear that travel to job sites or customer locations, or sit in your truck.
• Workers’ compensation Pays medical bills and lost wages if an employee is hurt on the job, and includes employer’s liability.

All coverage is subject to underwriting and policy terms. Not every business needs every coverage.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

Licensing. If your work requires a state or local license or permit, check with the licensing board or office for any insurance or bonding rules. We can help you meet whatever they require.

We can review your requirements and help you shop workers’ compensation and other coverages, subject to underwriting.

Certificates of insurance

Landlords, clients, venues, and general contractors often ask for a certificate of insurance before you start. If they want to be an additional insured, the policy usually needs an endorsement. Our certificate of insurance checklist explains what to check.

Related guides

• All business types
• Business insurance in Middle Tennessee
• General liability insurance
• Small business insurance checklist (PDF)
• Starting a business in Tennessee
• General liability vs. professional liability