In Florida, there are 2,500,000 small businesses. When you own an operation, there are many what-ifs that you'll need to take into account. Your Florida business insurance policies can include coverage for your hair salon.

A Florida independent insurance agent will have access to multiple markets so that you have choices. They do the shopping for free so that you can save time and money. Connect with a local expert for tailored quotes in minutes.

What Is Hair Salon Insurance?

If you own a Florida hair salon, there are numerous policies you can obtain. Hair salon insurance covers your risk exposures as a business owner. From liability losses to property, you can get coverage. There is even insurance for employees. 

Market size of beauty salons in the US (in billion US dollars)

If you own a hair salon in Florida, you'll have some competition. The best way to stay in business is first by having proper coverage.

What Does Hair Salon Insurance Cover in Florida?

In Florida, $36,870,506,000 in commercial insurance claims were paid in 2019. To avoid future losses, you'll want the right protection. Hair salon insurance will come with these standard policy options:

• General liability insurance: Pays for bodily injury or property damage claims where you and your employees are responsible.
• Business interruption: Pays for regular business expenses when you are temporarily shut down due to a covered loss.
• Commercial property insurance: Pays for building, equipment, and inventory damage from a covered loss.
• Crime insurance: Pays for a claim involving forgery, fraud, or theft to your company.
• Commercial auto insurance: Pays for auto accidents involving company vehicles.
• Workers' compensation insurance: Pays for an employee's medical expenses resulting from an injury or illness on the job.
• Errors and omissions insurance: Pays for negligence, personal injury, and consulting lawsuits by clients.

How Much Is Hair Salon Insurance in Florida?

The price of your commercial insurance will vary. Carriers review your business data and outside elements when calculating your premiums. Check out the risk factors insurance companies use when rating your hair salon insurance in FL:

• Type of operation you run
• Prior claims reported
• Number of years in the industry
• If you have employees
• If you have safety practices
• The value of property owned

Sales of hair salon services in the US (dollar sales share)

As a salon owner in Florida, you'll have a variety of services you can offer. Your insurance coverage should be added as a cost of doing business. For exact pricing, consult with a local adviser. 

Will My Florida Location Impact My Rates?

Where your Florida hair salon is located will determine your traffic and your cost of insurance as well. Take a look at what could affect your rates based on your territory:

• Local crime rate
• Local natural disasters reported
• Local claims reported by other insureds
• Flood zone assigned

The safer your location, the better your insurance premiums are. If you are at risk for flooding, then you will need to obtain a flood insurance policy. This will be an additional expense that you will need to include in your costs.

How an Independent Insurance Agent Can Help in Florida

To avoid significant losses, you'll need to get adequate protection for your Florida business. Hair salon insurance can come with a lot of moving parts. Consider using a trained professional so that you're not missing key coverages.

Fortunately, a Florida independent insurance agent will be able to work up quotes for a fair price. They have a network of carriers so that you can save on policies and premiums. Connect with a local expert on TrustedChoice in minutes.