Insurance designed for salons, suites, and chair rentals.

Running a salon in Florida is part creativity, part business, and part controlled chaos. Between clients, chemicals, hot tools, employees, and renters, a lot can go wrong fast — and most standard business policies miss the details that matter for salons.

At Smith & Thomas Insurance, we help barber shops, hair salons, nail salons, and beauty studios get coverage built specifically for how they actually operate.

Why Salon Insurance Is Different.

Salons have unique exposures most business policies don’t automatically address:

• Chemical burns or skin reactions
• Slip & falls from water, hair, or product spills
• Damage from hot tools and equipment
• Booth/chair rental liability confusion
• High customer foot traffic
• Employee vs independent contractor issues
• Product liability from retail sales

One uncovered claim could cost more than years of premium!

Coverage We Can Build Into Your Policy.

Every salon is different. We tailor coverage based on your setup, staff, and services.

• General Liability – Protection if a customer is injured or property is damaged.
• Professional Liability – Protection against claims related to services you provide.
• Business Property Coverage – Covers your building, tenant improvements, furniture, and other equipment.
• Business Interruption – Replaces lost income if you must temporarily close after a covered loss.
• Workers’ Compensation – Required if you have employees.
  • This is one of the most confusing areas for salon owners — especially when booth renters are involved (we help with this a lot).

Who We Typically Insure

We’re a great fit for:

• Hair salons & blow dry bars
• Barber shops
• Nail salons
• Lash & brow studios
• Esthetician studios
• Tanning salons (non-UV risk dependent)
• Salon suites & shared spaces

Whether you run a small shop or a multi-chair salon, we can help!

Why Choose Smith & Thomas Insurance?

Local expertise – Serving families in Lakeland, Polk County, and across Florida for over 65 years.

Independent agents – We compare policies from multiple carriers, so you get more options and the best value. We work for you!

Personal service – We answer your questions and explain coverage in plain language.

Trusted guidance – Our clients rely on us to protect their businesses.

Get a Free Insurance Quote Today!

Protect your salon with coverage you can count on. Contact Smith & Thomas Insurance today for a free, no-obligation home insurance quote.

Call us at 863-688-1141.