Style with Confidence.

Tailored insurance for Connecticut's Hair Salons, Barber Shops, Spas, and Wellness Centers.

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Beauty is a Risky Business

You work with sharp instruments, hot tools, slippery products, and chemicals every single day. One slip of the scissors or an allergic reaction to a dye can jeopardize your entire business.

At River East Insurance, we specialize in the unique risks of the personal services industry. We know that a standard "General Liability" policy often excludes the actual services you perform—meaning if a treatment goes wrong, you might have zero coverage.

We build comprehensive packages that protect your clients, your expensive equipment, and your staff, ensuring your doors stay open no matter what happens.

Businesses We Protect

From chair renters to multi-location spas.

Hair Salons & Barber Shops
Nail Salons
Day Spas & Med Spas
Massage Therapists
Estheticians & Eyelash Techs
Tattoo & Piercing Studios

Essential Coverage for Salons

Professional Liability

Also called "Salon E&O" or "Treatment Coverage." This is critical. It covers you if a service you perform causes injury (chemical burns, cuts, infections) or fails to deliver promised results.

Chemical Burns & Reactions
Accidental Cuts
Failure to deliver results

General Liability

Protects against "slip and fall" accidents in your shop. With high foot traffic and wet floors near shampoo bowls, this is a frequent claim area.

Slips, Trips & Falls
Damage to Customer Property
Advertising Injury

Commercial Property

Your chairs, sinks, tanning beds, and lasers are expensive. This covers your equipment, furniture, and improvements (build-outs) against fire, theft, or water damage.

Equipment Breakdown
Tenant Improvements
Inventory (Shampoos/Dyes)

The Independent Contractor Dilemma

Do you rent chairs to independent stylists? Or are you a stylist renting a booth?

Insurance gets tricky here. If a renter burns a client, the salon owner can still be sued. We help you structure your policies correctly so that Booth Renters have their own liability coverage, protecting the salon owner from vicarious liability.

✔ Workers' Comp: Mandatory if you have employees. We help classify "stylists" correctly to avoid audit fines.
✔ Cyber Liability: You store client credit cards and personal info. You need protection against data breaches.
✔ Business Interruption: Pays your income if a fire shuts down your salon for repairs.

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Common Salon Insurance Questions

Does my policy cover Med Spa services?

Standard salon policies exclude invasive procedures like Botox, fillers, or laser hair removal. You need a specialized Med Spa policy for these medical-grade treatments.

I work from home. Is my equipment covered?

Homeowners insurance has very low limits for business property ($500-$2,500). It typically excludes business liability entirely. You need a home-based business endorsement or a BOP.

What if an employee steals from a client?

"Employee Dishonesty" coverage can protect you if a staff member steals cash or property from the business or a customer.

Is sexual abuse/molestation coverage needed?

For massage therapists and spas, this is a critical (though uncomfortable) coverage to consider. False allegations can destroy a reputation and finances without defense coverage.