"Insurance". Sometimes just saying the word can make a person glaze over with boredom, yet it can be a business's most important fail-safe. In fact, most states require businesses to have particular insurance by law, but that doesn't make the task of obtaining it any less daunting. So, let's look at insurance for lash salons a little deeper.

Why do lash artists need Salon Insurance?

Lash artists need Salon Insurance for their lash business I Prolong Lash

You may be running a lash salon from home or on commercial property; but having salon insurance for your business is imperative. Do you have your insurance in place? Suppose you think there's no harm in skipping implementing an insurance policy because eyelash extensions are a safe beauty treatment, and that you don't want to add an extra expense to your business. In that case, you couldn't be more wrong! 

Irrespective of the size of your business, having salon insurance is a must for the safety of your clients, yourself, and your lash business. Salon Insurance may not be discussed often, but it is essential when stepping into a business venture. Let's talk about the nitty-gritty of needing salon insurance. 

How can insurance help your eyelash business? 

Every eyelash business need an insurance I Prolong Lash

You may be the best lash artist around and are using the best products (like Prolong Lash products), but consider a situation when a client's ultra-sensitive skin reacts to the glue, or you accidentally poke their eye.

What about something out of your control? Your client may trip and injure themselves in your space; they may move their arm during the service and get glue on their new $1500 jacket! A sticky situation, hey? 

Or consider your property getting damaged after a fire, flood, or break-in? Long story short, the best way to cushion yourself from these unprecedented blows is to have a trusted insurance policy for your business and services to avoid financial and mental stress. 

What are the types of salon insurance?

In the USA, an eyelash extension salon typically needs several types of insurance coverage to protect its business, employees, and customers. Here are some common types of insurance that a lash salon may consider:  

  1. General Liability Insurance: This coverage protects against claims of bodily injury or property damage caused to customers or third parties during the course of business operations. For example, if a customer slips and falls in your salon and sustains an injury, general liability insurance can help cover legal expenses, medical costs, and potential settlements.


  1. Professional Liability Insurance (also known as Errors and Omissions Insurance): This insurance is essential for lash salons as it covers claims arising from professional negligence, errors, or mistakes made during lash application or other beauty services. It can protect your business if a customer alleges that your salon's services caused damage to their lashes or eyes.


  1. Property Insurance: This coverage protects the physical assets of your lash salon, including the building, equipment, furniture, and inventory, against risks such as fire, theft, vandalism, or natural disasters. It can help cover the cost of repair or replacement in case of damage or loss.


  1. Business Interruption Insurance: This type of insurance provides coverage for loss of income and ongoing expenses if your lash salon experiences a temporary closure due to a covered event, such as a fire or natural disaster. It helps you cover rent, utilities, employee salaries, and other fixed costs during the downtime.


  1. Workers' Compensation Insurance: If you have employees, most states in the USA require workers' compensation insurance. It provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs while also protecting your business from potential lawsuits related to workplace injuries.


  1. Cyber Liability Insurance: In an increasingly digital world, cyber liability insurance is crucial to protect against data breaches, cyber-attacks, or unauthorized access to sensitive customer information. It can cover the costs associated with breach notification, credit monitoring services, legal expenses, and potential lawsuits.


  1. Employment Practices Liability Insurance (EPLI): This insurance protects your business against claims related to employment practices, such as wrongful termination, discrimination, harassment, or wage violations. It can cover legal defense costs and potential settlements or judgments.

What to consider before selecting insurance for your lash salon?

Lash artist selecting the right insurance for her lash salon I Prolong Lash

When deciding which insurance is best for you, you must ask yourself what your lash business needs protection. It's recommended to consult with your local business regulatory authority or an insurance professional to understand the specific insurance requirements for your lash salon in your state or locality. It's also important to consider the total cost of your business inventory against how much your insurance will cover when you claim it.

Are there any added benefits to having insurance?


Aside from the significant benefits of protecting your lash business, income, employees, and clients, insurance has a few other benefits:

  • Having insurance can build confidence in you as a business owner and service provider. Letting your potential employees and clients know that you are fully insured shows them that you take risk management seriously and that you can provide them with protection if the worst were to happen.


  • It can attract great staff! If you were seeking a job, would you choose to work somewhere simply based on monetary compensation? Or would you choose a workplace with benefits where you can feel confident that your health and well-being would come first if something were to go wrong?


  • It gives you peace of mind. You have enough on your plate. Being able to run your business, hire staff to help you, and know that you won't lose everything you've worked for because of mistakes or accidents gives you the confidence to put your best foot forward and grow your business without fear.


How much does insurance cost?

Is important to know how much does a lash insurance cost I Prolong Lash

The cost of insurance for a lash salon can vary significantly based on several factors, including the location of the lash salon, the size of the business, the coverage limits, the number of employees, the annual revenue, and the specific risks associated with the business.

To provide a more accurate estimate, it's best to consult with insurance providers directly, as they can assess your unique business needs and provide you with a personalized quote.

For the time and effort you exert daily to grow your lash business, investing in salon insurance is the best you can do to protect it. It is better to be safe than sorry! You may not see it now, but your wise investment will see you through in a time of need and provide peace of mind in your day-to-day business operations.


Did you like this blog post? Discover more helpful hints and tips with the Prolong Lash blog and learn how to partner with us on your lashing journey now.