Professional Barber Insurance: Do I Need It?

As a professional barber, you take pride in providing high-quality service to make your clients look and feel good.

You hold the power of helping them feel better about themselves and their appearance after leaving your chair.

With this focus, the positive change you make for your clients influences the rate of growth in the world of men’s grooming.

You focus on making your clients look good—we’ll handle the ugly stuff.

Why Do I Need Blade and Shear Insurance Plus?

The chair will mostly serve as a place of restoration from the real world for your clients. With the blending of training and compassion, you use shears, clippers, straight razors, and more to uplift appearances and confidence.

Unfortunately, no one’s hand is perfect—the same tools you use to help your clients could potentially harm them. Let’s face it, accidents happen that can be out of your control, but you may still be held responsible.

Professional Competitive Rate

With Blade and Shear Insurance Plus, your insurance rate stays the same, regardless of the amount of disciplines you practice.

Professional Liability Insurance



Policy Benefits

  • Professional and general liability insurance: $2 million per occurrence, $3 million per year
  • Product liability: $2 million per occurrence & per year
  • Rental location damage insurance: $100,000
  • Stolen equipment insurance: $1,000 with $250 deductible
  • Identity protection plan: $25,000

Common Circumstances That Need Coverage

  • Slip and Fall
  • Cuts
  • Chemical Damage
  • Burned or Damaged Hair
  • Unsanitary Instruments
  • Stolen Equipment
  • Rental Damage

Paying the average cost to defend a slip and fall lawsuit ($25,000 to $50,000) could become both a financial and legal nightmare. We want to help you stay protected from these claims so you can continue the work that you do.

Occurrence Form vs Claims Made Barber Insurance: What’s the Difference?

Associated Hair Professionals

Salon Spa Professional Trade Association / Alternative Balance

Health and Beauty Association (NAMT/ former IMA)

Professional & General Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
$1 Million Per Occurrence
$3 Million individual aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Occurrence-Form Coverage Yes X No X No Yes
Product Liability
$2 Million/ occurrence
$2 Million/ occurrence
$1 Million
$2 Million/ occurrence
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
X $300,000 (Fire and Water only) $100,000
Stolen Equipment X Optional—Add $100 $2,000 X No $1,000  *$250 deductible
Required CE hours
No No Hours Required for Insurance
Hour Qualification
X Yes No Hours Required for Insurance
Identity Protection Plan X No X $15,000 X No $25,000
Annual Fee
$219 – $249/yr
$159/yr Professional
$25 first 12 months Student
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by Blade and Shear Insurance Plus as to the accuracy or completeness of this information. Date that we confirmed this information 8/9/17 BUY NOW   >
Blade and Shear Insurance Plus
Professional & General Liability Insurance
Occurence- Form Coverage X X
Product Liability X
Rental Damage Coverage X X
Stolen Equipment X X
Required CE hours X X
Hour Qualification X X X
Identity Protection Plan X X X
Annual Fee $199 $219 $199 $159

Why Do I Need Blade and Shear Insurance Plus?

  • Balayage highlights
  • Chemical wave
  • Children
  • Custom wrap
  • Design, cut, and style
  • Flash highlights
  • Hair bleaching
  • Hair coloring
  • Hair treatments
  • Hairshaping
  • Instruction
  • Permanent wave
  • Shampooing
  • Shaving
  • Straightening
  • Thermal styling
  • Waves
  • Waxing
  • Weave
  • Wet styling
  • Wig stylist
Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.

Don’t worry—students are covered, too.

Professional Liability Insurance



Blade and Shear Insurance Plus offers first-year policies for students, available at only $25. We want to make sure you are insured with the full benefits of our professional program at a discounted rate before the launch of your career. Coverage is provided for 12 full months, continuing after graduation.

*Students must have an effective policy date prior to their graduation date.

These rates are only applicable to the discipline you are in school for on the day your coverage begins.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of The Doyle Group. The Doyle Group is powered by Identity Fraud, Inc., Walnut Creek, CA. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Insurance Plus program is underwritten by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Blade & Shear is included as a member benefit of The Doyle Group., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members.

Blade & Shear is not an insurer. All Rights Reserved Copyright 2017 Privacy Policy

820 A1A N Highway, Suite W18 Ponte Vedra Beach, Florida 32082