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
Salon owner insurance in Indiana
Liability and property options for Indiana salon owners with up to three employees.
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.
Running a compact Indiana salon
Indiana salon owners carry two kinds of obligations at once. The Indiana Professional Licensing Agency (PLA) licenses the salon itself, and that salon license is separate from every individual cosmetologist or barber license in the building. PLA lists the beauty culture salon license at $40 to apply and $40 to renew, on the same four-year cycle used for individual beauty culture licenses. Insurance is a different track with its own renewal date, and neither one keeps the other current.
CoverSmart Option 2 is the online path for eligible owners with up to three employees. It pairs the same $1M / $2M general and professional liability limits shown on this site with $5,000 of business property. The live figure appears in checkout once you answer the underwriting questions.
Employees versus booth renters
The headcount that matters for Option 2 is employees on your payroll. Booth renters who pay you rent and set their own schedules are usually not employees, and each of them should carry a policy in their own name. Collect a certificate from every renter before their first client, keep the PDFs in one shared folder, and set a reminder 30 days before each expiration date. If a renter's policy lapses, the claim conversation lands on your shop.
What Option 2 does not handle
Option 2 is a liability and property package for small hair businesses. It is not workers compensation, it does not insure a building you own, and it is not designed for nail-heavy menus, lash bars, advanced esthetics, or tanning. If any of those describe your shop, skip the online button and send the quote form so Amanda Hill can look at the full picture.
Growing past three employees
When your roster exceeds three employees, the online path no longer fits. Send payroll estimates, your service menu, square footage, and whether you own or lease through the quote form. Ask about workers compensation, building or tenant improvements, and business income in the same request so nothing is quoted in isolation.
Getting ready for an Indiana inspection
Owners who keep the salon license posted, disinfectant mixed to label strength, and clean and used implements separated tend to have uneventful inspections. Our Indiana inspection checklist walks through the common items. A clean inspection history also helps when an underwriter asks about your operations.
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
