Salon, day spa, and medical aesthetics insurance built for San Diego beauty professionals
Coverage that addresses the real exposures of the beauty industry — chemical burns, allergic reactions, injectable complications, slip-and-falls, product liability, and the professional liability gaps that booth renters, salon owners, and medical aesthetic practices all face.
Beauty and aesthetic businesses we cover we serve.
What SalonShield covers.
Purpose-built coverage for salons, day spas & aesthetics risk — not a generic policy with your industry type as a footnote.
Professional Liability (Beauty & Aesthetic Services)
Covers claims alleging that a beauty or aesthetic service caused harm — chemical burns, allergic reactions, skin damage, injectable complications, laser treatment injuries, or adverse outcomes from cosmetic procedures. Standard GL does not cover professional service errors — this coverage does.
General Liability
Covers bodily injury and property damage — slip-and-falls in the salon, damage to client property, and third-party injury claims on your premises. The coverage your lease and state cosmetology board require.
Product Liability
Covers claims arising from beauty products used or sold in your salon — adverse reactions to shampoos, conditioners, color, wax, and skincare products. Product liability is typically included in GL but worth confirming for salons with retail product sales.
Commercial Property
Covers salon equipment, styling chairs, mirrors, reception furniture, inventory, and leasehold improvements. Equipment breakdown coverage protects against electrical failures in styling equipment and HVAC — downtime in a busy salon is expensive.
Workers Compensation
Required in California for all salon employees — stylists, estheticians, nail technicians, and reception staff. Chemical exposure, repetitive motion injuries, and slip-and-falls are the most common WC claims in this trade.
Medical Aesthetics & Injectable Coverage
Botox, dermal fillers, chemical peels, laser treatments, and body contouring require specific professional liability endorsements not found in standard salon GL. Medical aesthetic procedures carry higher per-claim exposure than traditional beauty services — and require carriers experienced in this class. SalonShield is structured for both traditional beauty services and non-surgical aesthetic procedures.
Situations your policy needs to be ready for.
Professional liability is what responds — not your general liability policy, which covers premises incidents, not service errors. Chemical burns from color, relaxers, and keratin treatments are among the most common professional liability claims in the beauty industry. GL alone is not enough.
Product liability and professional liability both apply here — the product caused harm, but the treatment decision was also involved. A SalonShield advisor structures coverage so both exposures are addressed. The cost of one serious allergic reaction claim with hospitalization can exceed the annual cost of professional liability coverage many times over.
General liability responds to this premises injury. Slip-and-falls near wet stations, reception areas, and restrooms are the most frequent GL claims for salons. Wet floor signage helps in defense, but coverage is what pays the claim.
What your contracts, licensing body, and partners actually require.
Operations outside SalonShield's current market.
Being specific about what we cannot do is part of being useful.
A licensed specialist, not a call center.
Pembroke Insurance is a licensed California commercial insurance broker. When you call or submit a form, you reach a licensed advisor who works in your industry — not a generalist or a voicemail box.
Pembroke Insurance · CA Broker License #20790267 · 7040 Avenida Encinas, Ste 104-2, Carlsbad, CA 92011
From application to bound coverage.
Tell us about your business
A short application built around your industry — not a generic form. We ask the right questions for your specific risk profile.
We go to market
We submit to carriers that specialize in salons, day spas & aesthetics — not general commercial markets that price your class code with no understanding of the business.
Review with an advisor
We walk you through options side by side — in plain English, not insurance jargon — and confirm your coverage meets what your contracts actually require.
Bind and get your certificates
Same-day binding when you are ready. All COIs and additional insured endorsements issued immediately — no waiting.
Salons, Day Spas & Aesthetics insurance questions, answered plainly.
Get your SalonShield quote.
Most salons, day spas & aesthetics submissions quoted within 24 hours. Nothing is bound until you approve real pricing.
Ready to get your SalonShield quote?
A licensed advisor who understands your industry. Real carrier options. Same-day certificates.