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Boy at barber

Business Insurance Coverage For Barber Shops

Help Keep Your Barber Shop Protected.

Your barber shop offers a unique and memorable experience to each person that walks through your doors. Whether new or returning, your customers expect to leave your shop looking and feeling better than they did when they walked in. Protecting your shop with quality business insurance from Allstate can help give you peace of mind as you continue to take care of your customers.

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Property Risks

Loss Of Cash Due To Theft, Robbery Or Destruction

You handle a significant amount of cash in your business and a robbery could impact your income greatly.

Allstate Coverage

Money & Securities

This covers the insured against the loss of money or securities due to theft, disappearance or destruction. This is normally an optional coverage, but this coverage is included with the Barber Shop BOP.

Property Damage

Someone breaks in overnight and steals and/or damages your supplies (barber chairs, shampoos or other items).

Business Personal Property

This coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.

You Can't Open Your Shop

Your barber shop is damaged due to a fire and you are unable to use your barber shop and see clients.

Business Income & Extra Expense

This provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set the insured up at a temporary location during repairs.

Employee Dishonesty

You receive cash, credit card payments and sometimes checks for work that you do. In reviewing the receipts for the week, you notice that the deposits were light.

Employee Dishonesty*

This coverage responds when an employee steals money or property from your business. This is normally an optional coverage, but this coverage is included with the Barber Shop BOP.

Liability Risks

Injury Lawsuit

Water and hair clippings on the floor cause a customer to slip and fall in your barber shop.

Allstate Coverage

General Liability

Allstate business insurance provides coverage for injury to others at your premises and helps protect you from lawsuits brought against you.

Damage To A Customer's Health Or Well-Being

While cutting a customer's hair, you clip his ear.

The Barber Shops And Hair Salons Professional Liability*

This endorsement provides for legal obligations arising out of professional errors, negligent acts or omissions during the course of practicing their craft.

Wrongful Termination Lawsuit

A disgruntled employee sues you for wrongful termination.

Employment Practices Liability*

This provides coverage and support in the event of wrongful termination, sexual harassment or discrimination.

Your coverage is based on a per-loss limit and an annual limit

Auto Risks

An Employee Causes An Accident

While performing work for you, your employee gets into an accident and causes injury and damage, you could be liable.

Allstate Coverage

Liability Protection

This coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Vehicle Damage

Damage to your vehicle, whether your driver was at fault or not, can be very costly to fix.

Collision Coverage

This protection pays to repair damage, or even replace your vehicle if it is a total loss.

You can relax in knowing that we'll cover repairs or a replacement, subject to your deductibles.

Hail Storm Vehicle Damage

Hail can do real and costly damage to your vehicle, such as large dents and broken glass.

Comprehensive Solution

This protection pays to repair storm hail damage to your business vehicle.

You'll have peace of mind in knowing you're covered for hail damage repairs, subject to your deductibles.

Owe Money on Damaged Vehicle

If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.

Lease and Loan Gap Coverage

While most carriers will provide this coverage, many restrict it by vehicle type and charge a premium. You can relax because this coverage comes standard in your Allstate Business Auto policy.

Download Our Agent Discussion Guide.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for that conversation, we've complied a helpful guide to discussing your coverage with an agent.

Man and woman small business agent

Have Questions About Your Business Coverage Options?

An Allstate certified business insurance agent will help you find the services that meet you and your business' needs.

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*Optional coverage

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

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