Hair Coloring
Liability Insurance
Protect Your Career with Hair Coloring Liability Insurance
Our hair coloring liability insurance gives you the protection every hairstylist needs. It’s built specifically for colorists, covering the real risks you face, like a client having a reaction to bleach or a color mishap gone wrong. With this insurance, you’re protected if an accident or legal claim happens during or after your service.
You can work confidently, knowing we’ve got your back. Our plans are affordable and offer broad liability coverage for both professional and general liability, so whether you work in a salon or go mobile, you’re covered. Backed by Massage Magazine Insurance Plus, this is reliable coverage designed with hair professionals in mind. Take a look at our options and choose the insurance plan that fits your business best.
Focus on helping your clients achieve their best—we’ll handle the rest!
Hair Coloring Liability Insurance Cost
$169 - 1 Year
Our Hair Coloring insurance policy is tailored by years of experience just for service providers. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. This Hair Coloring liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Hair Coloring liability insurance policy that saves you $39 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What Our Hair Coloring Insurance Covers
Hair Coloring insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Hair Coloring Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front doormat and injuring themselves is an example of an event that would fall under this coverage type.
Personal & Advertising Injury Coverage: This coverage can provide financial assistance to Hair Coloring service providers if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if marketing materials inadvertently include false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during a Hair Coloring session. If a client reports an injury, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Protection Plan: Today’s Hair Coloring professionals are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in identity restoration services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Hair Coloring?
Hair coloring is a creative and technical service that transforms a client’s appearance and, sometimes, their confidence too. It involves applying chemicals like dye, bleach, toner, or gloss to change or improve the natural color of a client’s hair. From subtle highlights to bold fashion shades, every color service comes with its own set of steps, tools, and potential risks.
Hair coloring isn’t just about beauty; it’s chemistry, precision, and artistry combined. Whether you're correcting a box dye job, blending grays, or creating a lived-in balayage, your role as a hair professional is to protect the health of the hair while achieving stunning results. Because of the inherent risks involved, like allergic reactions or damage from over-processing, having strong liability insurance coverage is key to staying safe while doing what you love.
Do I Need Hair Coloring Liability Insurance?
If you're a hair stylist who offers color services, liability insurance isn’t just a nice-to-have; it’s a must. While not always legally required, many salons, landlords, and event spaces do require proof of hairstylist liability insurance before they’ll let you work. And if you’re self-employed or work in a client’s home, having your own insurance coverage is the smart way to protect yourself.
Coloring hair comes with potential risks, like allergic reactions, scalp burns, or damage to a client’s hair. Even if you follow every step perfectly, accidents can still happen, and clients can still file liability claims. That’s where a good liability insurance plan helps, covering professional errors, medical expenses, and more.
What Should I Look for in a Hair Coloring Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like barbering, hair braiding, hair extensions, and hair bleaching. Its features should include identity protection and access to health benefits. Instant coverage options, the ability to add unlimited additional insureds, and personal injury protection are highly important for comprehensive security. Also, look for policies offering free continuing education, member discounts, and flexible payment plans.
Our Hair Coloring insurance policy is designed to check all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have the most complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
What is hair stylist liability insurance?
Hair stylist liability insurance is protection for stylists who offer services like hair coloring, bleaching, toning, or color correction. It helps cover professional liability coverage (like if a mistake damages a client’s hair) and general liability (like if someone slips in your hair salon). It’s a must-have for any stylist who wants to stay fully protected against potential claims.
Do I really need liability insurance if I work in a salon?
Yes! Even if you work in a salon, many salon owners require their stylists to carry personal proof of insurance. If a client files an insurance claim, the salon’s policy may not fully protect you. With your own policy, you're covered for legal fees and medical bills.
What’s the difference between claims made and occurrence form coverage?
Great question!
- A claims-made policy only covers you if the incident occurred and the claim was made while your policy was active.
- An occurrence form coverage protects you even after your policy ends as long as the event happened while it was active.
We offer occurrence form options so you’re safe from unforeseen claims.
What does the insurance actually cover?
Our plans include:
- Professional liability for professional errors or damage to a client’s hair
- General liability for personal injury
- Mobile coverage if you work at events or in a client’s home
- Identity theft protection and identity theft coverage
- Medical treatment costs if someone gets hurt
- Advertising injury and additional insured options
You also get instant access to your instant certificate through our member portal.
What if I need proof of insurance right away?
No problem! Once you sign up, you’ll receive insurance immediately, including a downloadable proof of insurance. You can receive proof in minutes, which is perfect for presenting to salon owners, landlords, or event managers.
Who needs this insurance?
Any beauty professional who colors, bleaches, or chemically processes hair, including makeup artists who offer light hair services, should carry insurance. If you’re building a professional website or branding yourself in the beauty industry, having your own policy shows you're serious and covered.
Why should I choose your insurance company?
We specialize in coverage for beauty professionals. Our insurance company offers policies tailored to hair stylists, with essential protections, easy member benefits, and responsive support. You’ll get instant coverage, flexible terms, and the freedom to focus on your business needs without the stress of surprise claims.
