Insurance built for Pennsylvania barbershops & salons
General liability, professional liability, property, equipment, and workers’ comp for barbers, stylists, nail techs, and booth renters — shopped across 10+ carriers by a local independent agent.
Coverage for barbershops, salons & booth renters
Cuts, color, chemicals, and chairs all carry different risks. We build a package around how you actually work.
General Liability
Customer slip-and-falls, property damage, and third-party injury claims. Landlords almost always require it.
Professional Liability
Claims from cuts, burns, allergic reactions, or chemical services — the malpractice coverage salons need beyond basic GL.
BOP / Property
Your chairs, dryers, wash stations, fixtures, improvements, and retail product stock in one package with liability.
Equipment
Protects owned equipment against theft or damage — at the shop or, for mobile stylists, on the go.
Business Interruption
Helps replace lost income and pay ongoing expenses if a fire, water damage, or other covered event closes your shop.
Workers’ Compensation
Medical bills and lost wages for W-2 employees hurt on the job. Required in Pennsylvania for most businesses with employees.
Booth Renter Coverage
For independent stylists who rent a chair — liability and often equipment, without covering the whole shop.
Cyber / Data Breach
Help with notification and recovery if client records, appointment software, or payment data are exposed.
Commercial Umbrella
Extra liability limits above your GL and professional liability when a landlord or contract asks for higher numbers.
Why work with an independent agent — and why LWG
Looker Wolfe & Gephart has been helping Pennsylvania businesses since 1987.
- We shop 10+ carriers. As an independent agency we compare multiple markets, not just one company’s products.
- Pennsylvania only. We write exclusively in PA, so we know the state’s rules and salon markets.
- Local brick-and-mortar. Real people at 44 Oak Park Rd, Harrisburg — not an online lead-gen site that sells your info.
- Call or text anytime. Reach us at 717-657-9944, Monday–Friday 8–5. Same local team every time.
- Booth renters welcome. Whether you own the shop or rent a chair, we quote the right policy for your setup.
- Annual reviews. As you add chairs, staff, or services, we adjust coverage so you’re not caught short.
What clients say
Real feedback from people who work with our Harrisburg team.
“Fantastic service! The team is friendly, responsive, and truly committed to finding the best coverage at the best price. They made the whole process simple and stress-free. Highly recommend!”
“Quick responses and clear concise answers to my questions. Couldn’t have had a better experience!! Definitely recommending services to my fam and friend”
“Dan was able to reduce my car insurance in half when taking the time to find the best policy for me! Was so nice to talk to one person at an agency rather than be passed around.”
Barbershop & salon insurance FAQ
What’s the difference between general liability and professional liability?
General liability covers slip-and-falls and property damage. Professional liability (sometimes called malpractice or E&O) covers claims that a service itself caused harm — a chemical burn, an allergic reaction, or a cut. Most salons need both.
I’m a booth renter. Do I need my own policy?
Usually yes. The shop’s policy typically does not cover independent booth renters. A booth-renter policy can include liability (and often your tools/equipment) in your own name. Ask your shop owner what they require.
Do I need workers’ comp in Pennsylvania?
Generally, yes if you have W-2 employees — even one part-time. Sole proprietors and some owners/officers may exclude themselves. Booth renters who are true independent contractors usually carry their own coverage; misclassification is a common audit issue. Call us and we’ll walk through your situation.
My lease requires insurance. What do I need?
Most leases require general liability with the landlord as additional insured, and many require you to insure your improvements and contents. Send us the insurance section of your lease and we’ll match it.
What do I need to get a quote?
Business type, chairs/stations, services (especially color and chemicals), revenue, employees vs. booth renters, owned/leased space, and equipment values. The form below walks you through it in a few short steps.
Get your barbershop & salon insurance quote
A few short steps. Don’t know an exact number? A good estimate is fine — we’ll confirm details with you.
Please Note: We offer insurance coverage in Pennsylvania only. The form below is for PA barbershops, salons, and booth renters.