What We Cover
Insurance written for the salon industry.
Standard commercial policies were not designed with salons or independent stylists in mind. Coverage limits are too low, exclusions are too broad, and adjusters do not understand the value of professional tools and equipment. SalonPak policies are built from the ground up for this industry — with coverage terms, limits, and claims handling that actually make sense for your business.
"The adjuster who handled my claim actually understood what my color station and professional kit were worth. That has never happened with any other insurer."
— Danielle M., Independent Stylist, 11 years
For Independent Stylists
Whether you rent one booth or work across multiple salons, your tools and client relationships represent years of investment. Protect them properly.
Your professional kit is covered at what it would cost to replace today — not its depreciated value. A $600 pair of shears is covered at $600.
If a client claims a reaction from a service or product, this coverage protects you from the resulting legal and medical costs.
Coverage follows your tools to bridal events, photo shoots, trade shows, and other off-site work — not just your permanent booth location.
Covers losses from break-ins, theft, and malicious damage. High-end professional tools are targets; this coverage is essential.
Automatic coverage for new tools and equipment for up to 30 days, giving you time to report additions without a gap in protection.
As a free service, we provide SalonPak clients a password-protected page for all insurance docs — no more binders or lost certificates.
For Salon Owners
Running a salon means managing a complex property with multiple stylists, clients, and equipment. Your coverage needs to match that complexity.
Coverage for your physical space against fire, storm, water damage, and other covered perils. Includes attached structures and permanent fixtures.
Protection if a client is injured in shared spaces — reception, waiting areas, restrooms, or parking — and holds you responsible.
If a covered event forces a temporary closure, this replaces the booth rental income you would otherwise lose during the recovery period.
Coverage for point-of-sale systems, security cameras, styling stations, shampoo bowls, and other equipment essential to running your salon.
Keeps your operating expenses covered — utilities, staff, loan payments — while you are closed due to a covered loss.
As a free service, we provide SalonPak clients a password-protected page for all insurance docs — organized, accessible, and always up to date.
Pricing
No hidden fees, no confusing tiers. Pick the plan that fits your situation, or talk to an agent to build something custom.
Independent stylists
Full coverage for independent stylists, from single booth renters to multi-location professionals.
Salon owners
Comprehensive coverage tailored to the size and structure of your salon.
All plans include a dedicated claims specialist familiar with the salon industry. Prices shown are starting rates — final pricing based on coverage needs and location.
Common Questions
Most homeowner policies cap coverage for business property at $1,000 to $2,500 and exclude business liability entirely. If you are running a booth or salon, a dedicated policy is essential.
With the SalonPak policy, yes. Off-site, transit, and show coverage travels with your tools and equipment to bridal events, photo shoots, trade shows, and other off-site work.
We cover at replacement value — what it would cost to replace the item today, with items of like kind and quality. You will provide an estimated equipment value when you apply, and we recommend keeping a current inventory list.
The salon owner policy covers common areas and building liability. Individual stylists are responsible for their own booth liability and equipment — which is why we offer affordable stylist plans.
We target a 24-hour initial response on all claims. A specialist familiar with the salon industry will handle your case.
Our agents specialize in the salon industry. They can walk you through your options, help you select appropriate coverage limits, and find the right fit — without pressure.