find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

How to Insure Your New Brunswick Hair Salon

How to Insure Your New Brunswick Hair Salon

Your clients love what you do for their hair. No matter how skilled you are as a hair stylist, though, there’s always the possibility that an accident or mishap will occur. You need hair stylist insurance coverage that protects you as a New Brunswick hair stylist.

A hair stylist insurance package protects hair stylists and their salons against risks that come with hairdressing services, including accidents and injuries related to treatments and equipment.

How will a hair salon insurance package protect my N.B. business?

It will protect you from the potential risks associated with your New Brunswick hair salon’s daily operations.

Without insurance as a New Brunswick hair salon owner, independent hair stylist, or mobile hairdresser, you would need to cover these costs out of your own pocket. Can you afford that kind of financial risk?

Ask your Western Financial Group business insurance expert about what hair stylist insurance.

A hair salon insurance package can help protect you from these 3 common claims:

  1. A client at your New Brunswick hair salon slips and falls on a wet floor and fractures her wrist. Your salon is getting sued for bodily injury damages. Your commercial general liability insurance, also known as slip and fall insurance, can help cover the injured client’s medical treatment, your legal fees, and a court-ordered financial settlement.

  1. A client complains that the non-ammonia hair colour you used on her hair has given her an itchy scalp and her hair is coming out. Your errors and omissions insurance may cover any medical expenses and liability damages. You may also hear it called professional liability insurance.

  1. Your New Brunswick hair salon has had a break-in and thieves have stolen beauty supplies and ransacked the place. Your commercial property insurance may cover the cost to replace the stolen products and the necessary repairs to your salon.

As a New Brunswick hair salon owner, here’s an insurance check list:

  • Do you have the best business insurance rate for your hair salon?
  • Do you have the right amount for your deductible and regularly review it to make sure it’s the right amount for your business?
  • Do you know the value of equipment at your salon and is it properly insured?

Have you thought about the consequences of your New Brunswick hair salon being forced to close down temporarily due to a flood or fire?

How much does a hair stylist insurance package cost?

It will depend on the size of your New Brunswick salon, how many employees you have, your location, any past claims, among other factors.

At Western, we can help you get the hair stylist/salon insurance you need at the right value for you.

What type of insurance is needed for a New Brunswick hair salon?

Professional liability insurance: It’s also called errors and omissions (E&O) insurance. Professional liability insurance coverage helps protect you and your employees from allegations of misconduct, negligence, or failure to deliver a service your hair salon provides as advertised. It’s designed to cover your legal fees and any financial judgments against you in court.

Commercial general liability (CGL) insurance: This type of insurance is also called “slip and fall” insurance. It protects you against day-to-day risks while running your business. CGL insurance can protect hair salon owners against claims of third-party bodily injury or property damage that occurs at your business. For example, if an injured client sues you for damages, it also helps cover your legal expenses and any financial settlement ordered by the court.

Your CGL policy also can help protect you from libel, slander, and false advertising allegations.

How much CGL insurance do I need?

It’s not uncommon that a hair salon would carry $2 million in CGL coverage, depending on its size and services.

Of note: A mobile hairdresser, who works in different New Brunswick salons, may want to ensure coverage under a separate hairdresser insurance policy. You may not be covered under the policy of the salon where you are working temporarily.

Product liability insurance: It protects you against claims alleging that a product used during a hair treatment or sold to a client caused bodily injury, such as hair failing out or a chemical burn. Damages ordinarily covered by product liability are usually the result of a design, manufacturing, or marketing defect, such as an incorrect label or a lack of safety warnings.

Commercial property insurance: Commercial property insurance protects your hairdressing business and its contents from insured risks that can happen, such as fire, theft, flood, or vandalism.

You should consider adding sewer backup or overland flood coverage extensions, which standard business insurance policies typically do not cover.

Business interruption insurance: If there is an insured loss at your N.B. hairdressing business that’s severe enough to prevent it from being open, the expenses associated with getting your business running again will be covered.

Business interruption insurance usually covers vandalism, fire, wind, flooding, and other risks (make sure to understand what your policy covers). Your policy will help compensate you for lost income and expenses that you will need to continue paying even while you are unable to work.

Cyber insurance: If your N.B. hair salon processes debit and credit card transactions, online or in person, you need cyber insurance because your system could be vulnerable to cyberthieves. You may also be liable for damages to third parties whose information has been stolen and you may have to pay for notification expenses to inform customers affected by a breach.

Commercial auto insurance: If you have a business car that you use for your New Brunswick hair salon business, it won’t be covered by your personal car insurance policy. You will need commercial coverage as part of your hairstylist insurance package.

Whether you are in Fredericton, Saint John, Moncton, Dieppe, or anywhere else in New Brunswick, Western Financial Group has licensed BUSINESS INSURANCE EXPERTS to get your hair salon the right insurance package that is customized to its needs.

GET A QUOTE

Recent Blog Posts

Basic Boating Safety
What's Basic Boating Safety?

May 14, 2025


Common Home Insurance Claims Canada
What are Canada's Top Home Insurance Claims?

May 13, 2025


Mark Missal Farm Insurance
Western's Farm Insurance Has Roots in Our Communities

May 8, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap