Beauty Supply Store Insurance Coverage Checklist
The coverages a beauty supply store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for beauty supply stores, including wig and hair extension retailers and stores offering on-site hair services. Priorities reflect typical exposure for this class; confirm against the store's actual products and services.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products) | Covers customer injuries in the store and claims that a product sold caused a burn, hair loss, or allergic reaction. | Core | |
| Commercial Property / Business Personal Property | Covers inventory, fixtures, and storefront glass. Confirm high-value hair and wigs are insured at full value. | Core | |
| Theft / Burglary Coverage | Confirmation Beauty supply stores are repeatedly targeted for hair extensions; check for theft sublimits and exclusions for unoccupied buildings or display windows. | Core | |
| Workers' Compensation | Required in most states with employees; stocking, lifting, and robbery injuries. | Core | |
| Business Income | Replaces income while a store recovers from a smash-and-grab, fire, or water loss. | Prevalent | |
| Crime / Employee Theft | Covers employee theft of cash and high-value inventory. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL — useful where chemical hair products are sold. | Prevalent | |
| Cyber / Privacy Liability | Covers card data at the register and online store customer data. | Prevalent | |
| Professional Liability (Hair Services) | Needed if braiding, wig installation, or other hair services are performed on site. | Situational | |
| Employment Practices Liability | Covers claims by store employees. | Situational |
The coverage gap most often missed
The gap most often missed for beauty supply stores is products liability on private-label and directly imported goods. When the store's name is on the label, or there is no U.S. manufacturer to pass the claim to, the store can be treated as the manufacturer — and under MoCRA, the responsible person who must report serious adverse events to FDA. Confirm the products limit fits that role, and that vendor agreements include indemnity and a vendor's endorsement. Also check theft limits: hair inventory is a repeat smash-and-grab target and is often worth far more than standard theft sublimits.
Send us the checklist and we'll review your beauty supply store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Beauty Supply Store Insurance · Beauty Supply Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a beauty supply store business need?
The core coverages for a beauty supply store business are Commercial General Liability (incl. Products), Commercial Property / Business Personal Property, Theft / Burglary Coverage, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my beauty supply store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.