Beauty & Personal Care

Beauty Insurance in Ontario

Every service on your menu, on your policy.

Beauty work is a menu of treatments — hair, skin, lashes, brows, waxing — and every one is a separately rated exposure. Burns, reactions, and infection allegations are the claims of the trade.

We insure beauty professionals with policies that list each service, from a single lash tech to a full-service salon.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Treatment liability listing each service you provide
Contents and stock coverage for inventory, furnishings, and supplies
Product liability for goods you make, sell, or distribute
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

What happens if I add a service my policy doesn't list?: Claims from unlisted treatments can be denied outright — treatment liability is service-specific. Adding a service to your policy usually costs little; tell us before your first client, not after.
How much does beauty insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get beauty insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Treatment liability listing each service you provide

Contents and stock coverage for inventory, furnishings, and supplies

Product liability for goods you make, sell, or distribute

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

What happens if I add a service my policy doesn't list?

Claims from unlisted treatments can be denied outright — treatment liability is service-specific. Adding a service to your policy usually costs little; tell us before your first client, not after.

How much does beauty insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get beauty insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.