Salon & Spa Insurance · St. Louis Park, MN
Salons, spas, nail studios, and beauty professionals in St. Louis Park need coverage that goes beyond standard business insurance. Chemical treatments, esthetic procedures, and services performed on clients create liability exposures that general liability alone doesn't fully address. We help Hennepin County beauty businesses build the right coverage program.
What's Covered
Salons, spas, nail studios, and beauty professionals in St. Louis Park need coverage that goes beyond standard business insurance. Chemical treatments, esthetic procedures, and services performed on clients create liability exposures that general liability alone doesn't fully address. We help Hennepin County beauty businesses build the right coverage program.
Dayton Insurance Agency serves clients throughout St. Louis Park and Hennepin County. An inner-ring suburb west of minneapolis with a dense, walkable character, a mix of apartments and single-family homes, and a growing commercial and restaurant scene, St. Louis Park is a community we know well. Whether you're looking for competitive rates or need help after a claim, we're available by phone, text, or email — Mon–Fri 9–5.
Covers third-party bodily injury and property damage — a client slipping, accidental damage to a client's clothing or belongings. Required by most commercial leases.
Covers claims arising from your services — chemical burns, skin reactions, treatment injuries. Separate from general liability and essential for any beauty professional.
Covers your equipment — styling chairs, stations, dryers, wax warmers, laser equipment — as well as 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 protection is essential.
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 work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
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 independent contractors and the salon's policy usually doesn't cover them. Most booth rental agreements require renters to carry their own GL and professional liability.
GL covers incidents like a client slipping and falling. Professional liability covers injuries caused by your actual services — a bad chemical treatment, a skin reaction. You need both.
Yes — commercial property covers your equipment. Make sure limits are adequate, especially if you have high-end tools, laser equipment, or significant leasehold improvements.
It should — but make sure your policy reflects all services you actually provide. Adding services (like laser treatments or microblading) without updating your policy can create coverage gaps.
