Barber shop insurance covers two main categories of risk: liability (lawsuits from clients alleging injury, property damage or service-related issues) and property (loss of the commercial space, tools and equipment that make the business work).
Available as two policy types, an all-risk policy that covers a wide range of risks minus listed exclusions, and a named perils policy that covers only the specific events listed. Covers repair, replacement and restoration following events such as fire or vandalism.
Distinct from commercial property covers sudden mechanical or electronic breakdown that stops business operations, such as an HVAC failure (air conditioner in summer, furnace in January).
Covers third-party property damage, bodily injury and advertising injury, for example, a client has an allergic reaction to a hair product (bodily injury claim) or product drips on a designer pair of sneakers (property damage claim). Covers legal fees and court-awarded settlements up to policy limits.
For professional negligence, bad advice, misconduct, failure to deliver a promised service, advertising injury and breach of contract. Hair is important to most people, if you mess it up, that's a big problem that could prompt litigation.
Loss of business income during commercial property restoration.
Mandatory coverage for any vehicle used for business purposes.
Protects against liability for a breach of customer information.
Harassment, discrimination and wrongful termination lawsuits.
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What Determines the Cost of Ontario Barber Shop Insurance?
When insurance companies assess your information to determine what they are going to quote you for Ontario barber shop insurance, they look at a number of factors to determine which risks you are most likely to encounter and what you need for coverage limits. Those factors include:
What is the difference between an all-risk and a named perils barber shop insurance policy?
An all-risk policy covers a wide range of risks minus listed exclusions. A named perils policy covers only the specific events listed on the policy. All-risk offers broader protection by default; named perils may be more affordable for shops with limited specific risk exposures. Speak to a Morison broker to determine which suits your shop.
Are freelance barbers who rent a chair at my shop covered by my barber shop insurance?
Whether you're a freelancer who rents a chair at a barber shop, or you're a barber shop owner who rents out chairs to freelancers, it's important to be aware that barber shop insurance will typically only cover full-time employees. Self-employed barbers need their own barber shop insurance to protect them against financial losses in the event of a liability claim against them, and to insure their tools and equipment against fire, theft and other types of damage or loss. Our team at Morison Insurance will provide you with the coverage you require whether you need barber shop insurance or barbering insurance for self-employed barbers.
Do I need additional insurance if I offer mobile barbering services?
Yes. Commercial auto is required for any vehicle used for business travel, personal auto will not cover a commercial trip to a client's home. Mobile services may also require higher limits or policy adjustments to ensure full coverage while at clients' properties or in transit between locations.
Does CGL insurance cover a client's allergic reaction to a hair product I used?
Yes, CGL covers third-party bodily injury, which includes an allergic reaction that results in a lawsuit. It covers legal defence fees and court-awarded settlements up to policy limits. Claims arising from the professional delivery of the service itself may also involve Professional Liability, a broker can clarify the right coverage combination.
What types of barbering businesses need barber shop insurance?
All barbering businesses regardless of scale, barber shop owners, independent barbers, freelance haircutters, haircutting franchises and hair colourists or stylists. Even home-based cutting businesses need coverage, as homeowners policies typically exclude business liability.
