Markel Specialty insurance–keeping your personal care business well groomed.

When you own a beauty salon or barber shop, you have more on your mind than what your client will think when they look in the mirror—employees, bills, cash flow, inventories, and much more.
Having your business fully insured for property and liability claims may not be top of mind for you but for a beauty salon or barber shop owner like yourself, Markel Specialty’s customizable insurance coverages can offer you the kind of insurance protection you may need.

Our workers compensation policy can help you protect your business from the costs of an on the job accident including lost wages and benefits, medical care, and legal representation. Our businessowners policy, EssentialBOP, is customizable for your customer service-based business—covering commercial general liability, commercial property, and other areas essential to helping you protect your assets. When combined, these policies offer insurance coverage for your salon or barber shop—and up to a 10% multi-policy discount for you.* Also, by adding Markel Specialty’s commercial umbrella liability insurance policy in addition to EssentialBOP policy can provide qualified customers additional insurance protection for the costs of catastrophic claims and lawsuits.

To give you an idea of who can benefit from Markel Specialty’s insurance coverages, these are just a few of the personal care businesses that we do business with:

  • Barber shops
  • Beauty salons
  • Nail salons

Insurance coverages for personal care businesses

Some available coverages include:

Business personal property
Business personal property is insurance coverage for your business contents –including everything from pens and other small items to computers and inventory.

Accounts receivable
Insurance that coverages the amounts due from customers that the insured is unable to collect after the records are damaged or destroyed by a covered cause of loss, up to $50,000.

Business Income – Extended Period of Indemnity
Insurance coverage policy, which covers your company's loss of income due to a slowdown or temporary suspension of normal operations, stemming from damage to physical property, for up to 12 months.

Beauty salon professional liability
This insurance coverage endorsement provides liability coverage for bodily injury, property damage, and personal and advertising injury arising out of rendering or failure to render barber shop and hair salon services including, hair cutting, styling, dyeing, shaving, conditioning, and shampooing, including advice or instruction related to these services.

For on-the-job accidents, Markel Specialty also offers workers compensation insurance coverage that includes:

  • Medical expenses
  • Partial wages while the employee recovers
  • Legal expenses if your business is sued over a work injury
  • Funeral expenses if an employee dies from a work injury

Plus, by combining our workers compensation and businessowners policies you can earn up to a 10% multi-policy discount.*

These are just a few of the coverages available. Follow the link below to view all of our coverages that are available for offices and professional services. 


value added services icon
Background checks, training materials, and education available at negotiated rates.

PayGo Payroll reporting is the billing plan of choice for workers compensation policyholders.

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 The day-to-day activities involved in owning a beauty salon or barber shop can leave you vulnerable to unique risks.
Work with a Markel Specialty agent to get a quote.

*The discount applies to businessowners policy only.  Multi-policy discount not applicable to Equipment Breakdown Protection and Employee Practices Liability Insurance endorsements.