Salon & Spa Insurance · Minnesota
Minnesota beauty businesses — salons, spas, nail studios, barbers, and estheticians — have unique coverage needs that go beyond standard business insurance. Chemical burns, allergic reactions, treatment injuries, and equipment in the wrong hands can all lead to claims that general liability alone may not cover.
What's Covered
Minnesota beauty businesses — salons, spas, nail studios, barbers, and estheticians — have unique coverage needs that go beyond standard business insurance. Chemical burns, allergic reactions, treatment injuries, and equipment in the wrong hands can all lead to claims that general liability alone may not cover.
Covers third-party bodily injury and property damage — a client slipping on a wet floor, accidental damage to a client's clothing or personal property. Required by most commercial leases.
Covers claims arising from your services — a chemical burn from a hair treatment, a skin reaction from an esthetic procedure, or an allergic response to a product you used. This is separate from general liability and essential for beauty professionals.
Covers your equipment — styling chairs, stations, dryers, wax warmers, laser equipment, massage tables — as well as your retail inventory and leasehold improvements.
Covers claims that products you sell or apply caused a client harm. If you retail skincare, hair products, or cosmetics, this coverage protects you from product liability claims.
Pays your rent, payroll, and other continuing expenses if a covered event — fire, burst pipe — forces you to close temporarily.
Required in Minnesota when you have employees. Booth renters may have different requirements — we'll clarify your obligations under Minnesota law.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes — booth renters are typically considered independent contractors, and the salon's policy usually doesn't cover them. Booth renters need their own general liability and professional liability coverage. It's also often required in booth rental agreements.
General liability covers incidents like a client slipping and falling. Professional liability (malpractice) covers injuries or damages caused by your services — a bad chemical treatment, a skin reaction, a cut during a service. You need both.
Yes — commercial property coverage covers your equipment. Make sure the limits are adequate, especially if you have high-end tools, laser equipment, or significant leasehold improvements you've made to the space.
Your GL policy covers liability for work done by your employees. Workers compensation is separate and covers injuries to employees on the job — required in Minnesota once you have any employees.
