Source: Carrier website and product data
The Hartford: Beauty Salons & Spas Insurance Appetite
The Hartford explicitly targets personal care services (includes barbers, salons, spas) as a focus segment. 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
$1,700-$9,600
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Spectrum® Business Owner's Policy covers beauty salons & spas operations with General Liability, Commercial Property, Business Income Insurance
- Workers' comp for 3-15 employees with online quoting and pay-as-you-go billing
- The Hartford offers professional liability covering allergic reactions and treatment-related injury claims
- The Hartford 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
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