Stylists and cosmetologists
From $193 a year
Pick between two plans once you are in
Takes you to CoverSmart, where you choose the plan that fits your chair.
Indiana
Booth renter coverage in Indiana
Chair and suite renters who work alone usually start with Option 1. Tell Edward if you have employees so he can point to Option 2.
Start with your Indiana trade
Barbers
From $193 a year
Pick between two plans once you are in
Takes you to CoverSmart, where you choose the plan that fits your chair.
Renting a chair or suite in Indiana
Indiana booth renters usually work as independent businesses inside someone else's licensed salon. Your individual cosmetology or barber license comes from the Indiana Professional Licensing Agency (PLA) and renews on a four-year cycle with a $40 fee. The salon holds its own separate license. Neither license is an insurance policy, and most owners will ask for proof of liability coverage in your name before you take clients.
Starting with Option 1
Solo renters with no employees usually start with CoverSmart Option 1. It shows $1M / $2M general and professional liability limits on this site, with additional insured status for the salon available at no extra cost inside CoverSmart when you qualify. Prices start from $193 a year. Bring your booth agreement to checkout so the additional insured name matches the legal name the owner uses, not the sign out front.
If you hire an assistant who is on your payroll, look at Option 2 instead. It covers eligible risks with up to three employees and includes business property.
Day rates and rotating chairs
Some Indiana studios rent by the day or by the shift instead of by the month. Insurance expectations usually still apply. Ask the owner what they need before your first shift and keep a PDF certificate on your phone. Short stays are exactly when a missing certificate causes a problem.
Taxes and classification are separate
Buying insurance does not decide whether you are an independent contractor for tax purposes. That depends on how the relationship actually works: who sets hours, who owns the client list, who supplies products, and how you are paid. Keep your agreement in writing and talk to a tax professional if you are unsure.
When the online path is not the right fit
Prior claims, higher limits, unusual lease wording such as primary and noncontributory requirements, or specialty services like lashes and waxing belong on the quote form. Stockton-Hill Insurance can still help. It just will not be a two-click purchase.
A short renter checklist
Confirm your PLA license is active. Read the insurance section of the booth agreement. Buy the option that fits. Send the certificate to the owner. Put your insurance and license renewal dates on the same calendar.
Licensing note
Indiana PLA oversees cosmetology and barber licensing. This site does not speak for the Board. Board site: Indiana Professional Licensing Agency (Cosmetology and Barber Board).
Backed by Stockton-Hill Insurance - Kingston, Ohio - parent of Indiana Barber & Beauty Insurance
