Protect the Career You Built
With Your Own Two Hands.
Professional liability insurance for independent beauty and wellness professionals offered through our partner Elite Beauty Society, backed by Gallagher. Apply online in about 5 minutes and walk away with instant proof of coverage.
One Small Accident Shouldn't Risk Everything.
You work nights and weekends to build your book. But a cut from a tool, an allergic reaction to a product, or a client's slip on the way out the door can turn into a lawsuit that comes after more than your business income — it can reach your personal savings, your car, your home.
Liability coverage is the cheapest employee you'll ever hire: it stands between your career and one bad day.
Peace of Mind Behind the Chair
Covering booth renters, salon owners, and suite professionals.
What's Covered?
- Professional & General Liability — $2M per occurrence / $3M individual annual aggregate
- Product Liability — $2M per occurrence / $2M annual aggregate
- Rental Damage Coverage — $100,000
- Stolen Equipment Coverage — $1,000
- Identity Theft Protection — Included
One Flat Price. No Quotes. No Hassle.
We're dedicated to helping you protect and grow a successful beauty business with industry-leading tools that not only make your life easier, but position you to charge premium prices from your clients.
Part-Time
Working 15 hours a week or less
Professional
Working 15 hours a week or more
Student
Coverage in school and after graduation
Partner pricing set by Elite Beauty Society. Your price will be confirmed in the application so you know exactly what you're paying.
We get it.
As an independent pro or suite renter, you can feel like you're on an island. No legal department, no marketing team; you just want to do great work and take care of your clients. That's why we made this simple.
Policies through Elite Beauty Society meet the standard insurance requirements for Sola, Phenix, and independent salon suites. Download your COI instantly and hand it to your landlord today.
One flat annual price. No quote process, no waiting on an agent to call you back.
Coverage follows you no matter where you go: booth rental, suite, mobile, or your client's kitchen table.
Real Claims From Real Salons.
These are the kinds of claims liability policies exist to answer. Compare the cost of a claim to the cost of a year of coverage.
Cuticle Infection
A routine service led to an infection claim. Typical claim cost: $2,500+. A year of coverage: $159 through TNH.
Flip Flop / Slip Accident Lawsuit
A salon was sued after a client's post-appointment accident — and still paid a settlement despite winning. Legal defense alone can run five figures.
The Shampoo Bowl Case
A dry bar and its individual provider were both named in an injury suit. Salons and individual pros can be sued at the same time.
Illustrative examples. Whether any claim is covered depends on the policy's terms and the facts of the claim.
Insurance Is Just the Beginning.
TNH Business Solutions gives independent beauty pros the full toolkit: online booking, dual-pay payment processing, and a done-for-you website, all in one place.
Everything Under One Roof
- Professional Liability Coverage ($159/yr partner rate)
- Online Booking & Done-For-You Website ($9.99/mo)
- Dual-pay payment processing — keep 100% of your prices
Real Claims. Real Consequences.
What can happen to salon owners and independent pros without the right coverage.
Nanci Sabani is a shining example of a great salon owner. She has won multiple awards for her dedication to quality and has been a successful salon owner for many years. Nanci, her salon, and the individual provider were all sued by a client because she got into a car accident after leaving the salon. The client claimed she crashed her car because the disposable flip-flops she was wearing prevented her from being able to hit the brake! Even though Nanci and her salon were ultimately found not liable, Nanci still had to settle out of court and pay the client for damages! Had she not had insurance, legal defense alone would have crippled her business.
This popular dry bar in California was recently sued by a client who alleges she suffered a stroke after having her hair washed in a shampoo bowl! The client sought money to cover her medical bills plus damages. Elizabeth Smith says she visited the salon and that during her service, her neck was 'hyper-extended' due to a defective shampoo bowl and chair, leading to a torn vertebral artery. General liabilities are common and can happen anywhere. Accidents can and do happen, so protect yourself.
This salon, which has shining reviews on Yelp, was sued by a client who alleges she contracted an infection after getting a pedicure and required hospitalization. The client alleged improper sanitation protocols. The salon and the individual provider were being sued for hundreds of thousands of dollars. The situation was made worse by the fact that the client had diabetes, causing severe complications. Both the business and the individual provider were protected because they carried comprehensive liability coverage.