PreferredVerified Q1 2026
Source: Carrier website and product data
Pie Insurance: Beauty Salons & Spas Insurance Appetite
Pie Insurance explicitly targets beauty salons & tattoo parlors as a focus segment. Fully digital quoting and binding process – Pie Insurance's platform is designed for fast turnaround on small beauty salons & spas accounts. Many stylists are independent contractors – confirm employment status before quoting workers' comp
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Professional Liability (E&O) |
Premium Range
$600-$2,400
Typical annual premium
Target States
37 states + DC
Key Features
- Business Owner’s Policy (BOP) covers beauty salons & spas operations with Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance
- Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
- Pie Insurance offers professional liability covering allergic reactions and treatment-related injury claims
- Pie Insurance offers product liability for retail products sold in the salon
- Online quoting available – agents can get beauty salons & spas quotes without calling underwriting
Limitations
- Medical aesthetic procedures (Botox, fillers, laser treatments) require medical professional liability – not covered under salon E&O
- Tanning bed operations may be excluded or separately rated due to burn injury exposure
- Independent contractor stylists may not be covered under the salon's GL without specific endorsement
Compare Other Carriers for Beauty Salons & Spas
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$1,700-$9,600
CNAStandard
$1,700-$9,600
HiscoxStandard
$1,700-$9,600
NEXT InsurancePreferred
$1,500-$8,000
The HartfordPreferred
$1,700-$9,600
EMPLOYERSPreferred
$600-$2,400
AcuityStandard
$1,500-$8,000
Erie InsuranceStandard
$1,500-$8,000
biBERKPreferred
$1,500-$8,000
AmTrust FinancialStandard
$1,500-$8,000
BTISStandard
$1,500-$8,000
NationwideLimited
$2,200-$9,600
Liberty MutualStandard
$1,700-$9,600
ChubbLimited
$2,700-$12,000
Cincinnati FinancialLimited
$2,200-$9,600
The HanoverLimited
$2,200-$9,600
Auto-Owners InsurancePreferred
$1,500-$8,000
GUARD InsuranceStandard
$1,500-$8,000
MarkelStandard
$1,700-$9,600
Coterie InsurancePreferred
$1,500-$8,000
Selective InsuranceLimited
$2,200-$9,600
Kinsale CapitalStandard
$1,700-$9,600
InsureonPreferred
$1,500-$8,000