{"id":2666,"date":"2011-12-09T15:44:59","date_gmt":"2011-12-09T21:44:59","guid":{"rendered":"https:\/\/www.ruddinsurance.com\/kentucky\/?page_id=2666"},"modified":"2014-04-14T11:04:50","modified_gmt":"2014-04-14T17:04:50","slug":"salons-barbers","status":"publish","type":"page","link":"https:\/\/www.ruddinsurance.com\/kentucky\/insurance\/commercial-insurance\/salons-barbers\/","title":{"rendered":"Salons &#038; Barbers Insurance"},"content":{"rendered":"<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n<section class=\"ivx9\">\n<p>  <!-- Hero \u2014 copy left, coded artwork right --><\/p>\n<div class=\"ivx9-hero\" data-a=\"1\">\n<div class=\"ivx9-hero-copy\">\n<div class=\"ivx9-eyebrow\"><span class=\"ivx9-eyebrow-rule\"><\/span>Rudd Insurance Agency<\/div>\n<h2 class=\"ivx9-headline\">Salon &amp; Barber Insurance throughout Kentucky<\/h2>\n<p>Owning a hair salon or barbershop comes with its own unique set of insurance concerns. Property damage from fires or plumbing issues, client liability for allergic reactions or slip-and-fall accidents, and workers\u2019 compensation for stylists who develop repetitive stress injuries are all real risks. Comprehensive coverage protects your investment and your team.<\/p>\n<p>Revenue loss insurance is also critical \u2014 unexpected events like natural disasters or required repairs can disrupt your business and your ability to cover rent, utilities, and payroll. Staying compliant with local licensing requirements is a continuous challenge. An experienced agent ensures your coverage meets all local legal requirements while keeping your budget in check.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-visual\">\n      <!-- IVX9 coded artwork \u2014 generated illustration, no external image.\n     Colour comes from .ivx9-af-* in __ivai_page_styles.css. --><br \/>\n<svg class=\"ivx9-art\" viewBox=\"0 0 400 300\" role=\"img\" aria-labelledby=\"t-commercial-salon-barber\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" preserveAspectRatio=\"xMidYMid meet\"><title id=\"t-commercial-salon-barber\">Illustration of a salon mirror and chair with a barber pole and shears<\/title><rect class=\"ivx9-af-field\" x=\"0\" y=\"0\" width=\"400\" height=\"300\"\/><g class=\"ivx9-af-grid\"><line x1=\"34\" y1=\"0\" x2=\"34\" y2=\"300\"\/><line x1=\"68\" y1=\"0\" x2=\"68\" y2=\"300\"\/><line x1=\"102\" y1=\"0\" x2=\"102\" y2=\"300\"\/><line x1=\"136\" y1=\"0\" x2=\"136\" y2=\"300\"\/><line x1=\"170\" y1=\"0\" x2=\"170\" y2=\"300\"\/><line x1=\"204\" y1=\"0\" x2=\"204\" y2=\"300\"\/><line x1=\"238\" y1=\"0\" x2=\"238\" y2=\"300\"\/><line x1=\"272\" y1=\"0\" x2=\"272\" y2=\"300\"\/><line x1=\"306\" y1=\"0\" x2=\"306\" y2=\"300\"\/><line x1=\"340\" y1=\"0\" x2=\"340\" y2=\"300\"\/><line x1=\"374\" y1=\"0\" x2=\"374\" y2=\"300\"\/><line x1=\"0\" y1=\"34\" x2=\"400\" y2=\"34\"\/><line x1=\"0\" y1=\"68\" x2=\"400\" y2=\"68\"\/><line x1=\"0\" y1=\"102\" x2=\"400\" y2=\"102\"\/><line x1=\"0\" y1=\"136\" x2=\"400\" y2=\"136\"\/><line x1=\"0\" y1=\"170\" x2=\"400\" y2=\"170\"\/><line x1=\"0\" y1=\"204\" x2=\"400\" y2=\"204\"\/><line x1=\"0\" y1=\"238\" x2=\"400\" y2=\"238\"\/><line x1=\"0\" y1=\"272\" x2=\"400\" y2=\"272\"\/><\/g><rect class=\"ivx9-af-2\" x=\"24\" y=\"48\" width=\"136\" height=\"132\" rx=\"60\"\/><rect class=\"ivx9-af-paper\" x=\"38\" y=\"58.5\" width=\"108\" height=\"111\" rx=\"55\"\/><rect class=\"ivx9-af-5\" x=\"16\" y=\"184.5\" width=\"152\" height=\"15\" rx=\"3\"\/><rect class=\"ivx9-af-ink\" x=\"52\" y=\"199.5\" width=\"80\" height=\"22.5\" rx=\"4\"\/><rect class=\"ivx9-af-5\" x=\"82\" y=\"222\" width=\"20\" height=\"22.5\"\/><rect class=\"ivx9-af-ink-2\" x=\"60\" y=\"236.5\" width=\"64\" height=\"10\" rx=\"4\"\/><rect class=\"ivx9-af-3\" x=\"208\" y=\"54\" width=\"40\" height=\"174\" rx=\"30\"\/><path class=\"ivx9-af-paper\" d=\"M208 72 L248 57 L248 73.5 L208 88.5 Z\"\/><path class=\"ivx9-af-paper\" d=\"M208 106.5 L248 91.5 L248 108 L208 123 Z\"\/><path class=\"ivx9-af-paper\" d=\"M208 141 L248 126 L248 142.5 L208 157.5 Z\"\/><path class=\"ivx9-af-paper\" d=\"M208 175.5 L248 160.5 L248 177 L208 192 Z\"\/><path class=\"ivx9-af-paper\" d=\"M208 210 L248 195 L248 211.5 L208 226.5 Z\"\/><rect class=\"ivx9-af-ink\" x=\"202\" y=\"46.5\" width=\"52\" height=\"13.5\" rx=\"4\"\/><rect class=\"ivx9-af-ink\" x=\"202\" y=\"220.5\" width=\"52\" height=\"13.5\" rx=\"4\"\/><circle class=\"ivx9-af-line\" cx=\"320\" cy=\"90\" r=\"26\" stroke-width=\"10\" fill=\"none\"\/><circle class=\"ivx9-af-line\" cx=\"320\" cy=\"165\" r=\"26\" stroke-width=\"10\" fill=\"none\"\/><path class=\"ivx9-af-line\" d=\"M338 103.5 L388 180 M338 151.5 L388 75\" stroke-width=\"9\"\/><rect class=\"ivx9-af-4\" x=\"0\" y=\"244.5\" width=\"400\" height=\"10.5\"\/><rect class=\"ivx9-af-ink-2\" x=\"0\" y=\"244.5\" width=\"400\" height=\"3\"\/><\/svg><br \/>\n<script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n    <\/div>\n<\/p><\/div>\n<p>  <!-- Metrics strip --><\/p>\n<div class=\"ivx9-metrics\" data-a=\"2\">\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Business Type<\/div>\n<div class=\"ivx9-metric-val\">Beauty Services<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Risk Areas<\/div>\n<div class=\"ivx9-metric-val\">Liability &amp; Property<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Employee Coverage<\/div>\n<div class=\"ivx9-metric-val\">Included<\/div>\n<\/p><\/div>\n<div class=\"ivx9-metric\">\n<div class=\"ivx9-metric-bar\"><\/div>\n<div class=\"ivx9-metric-lbl\">Compliance<\/div>\n<div class=\"ivx9-metric-val\">State Laws<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- Call to action --><\/p>\n<div class=\"ivx9-cta\" data-a=\"3\">\n<div class=\"ivx9-cta-content\">\n<div class=\"ivx9-cta-heading\">A policy styled perfectly for your salon or shop.<\/div>\n<p class=\"ivx9-cta-sub\">Our licensed professionals develop coverage that protects your clients, your team, and your equipment.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-cta-action\">\n      <br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.ruddinsurance.com\/kentucky\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/>\n    <\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"4\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Coverage Guide<\/div>\n<h3>Understanding Salon &#038; Barber Insurance<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<p class=\"ivx9-lead\">Salons and barbershops face risks from chemical treatments, sharp tools, and close client contact. Salon and barber insurance combines liability and property coverages built for personal-care businesses.<\/p>\n<div class=\"ivx9-item\">\n<h4>Core Coverages for Salons and Barbershops<\/h4>\n<p>A typical program includes general liability for client injuries, professional liability for claims related to services like coloring or chemical treatments, commercial property for your space and equipment, and workers&#8217; compensation for employees.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"5\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Questions<\/div>\n<h3>Salon &#038; Barber Insurance FAQ<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<div class=\"ivx9-item\">\n<h4>What does salon and barber insurance cover?<\/h4>\n<p>It usually combines general liability, professional liability, commercial property, and workers&#8217; compensation into a program designed for personal-care businesses.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>What is the difference between general and professional liability for a salon?<\/h4>\n<p>General liability covers accidents like a client slipping, while professional liability covers claims arising from your services, such as a reaction to a chemical treatment.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Are booth renters and independent stylists covered?<\/h4>\n<p>Coverage depends on how your business is structured. Independent stylists and booth renters often need their own policies, which we can help arrange.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Do I need workers&#8217; compensation for my staff?<\/h4>\n<p>In most states, salons and barbershops are required to carry workers&#8217; compensation insurance once they reach a certain number of employees.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-item\">\n<h4>Why buy salon and barber insurance through an independent agent?<\/h4>\n<p>As an independent agency, Rudd Insurance Agency represents many carriers, so we can tailor coverage to the services you offer, with personal, local service.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ivx9-block\" data-a=\"6\">\n<div class=\"ivx9-block-rail\">\n<div class=\"ivx9-tag\">Coverages Available<\/div>\n<h3>What a policy can include<\/h3>\n<\/p><\/div>\n<div class=\"ivx9-qa\">\n<p class=\"ivx9-cov-title\">Salon &#038; Barber Insurance throughout Kentucky \u2014 Coverages Can Include:<\/p>\n<ul class=\"ivx9-cov\">\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> General liability<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Professional liability<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Property &amp; equipment coverage<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Workers compensation<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Business interruption<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Products liability<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Salon equipment breakdown<\/li>\n<li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Employee dishonesty<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"ivx9-note ivx9-note-amber\" data-a=\"7\">\n<p>Call the professionals at Rudd Insurance Agency in Madisonville, Kentucky, and we\u2019ll develop a policy styled perfectly for you and your budget. <strong>Contact us today.<\/strong><\/p>\n<\/p><\/div>\n<\/section>\n<p><script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rudd Insurance Agency Salon &amp; Barber Insurance throughout Kentucky Owning a hair salon or barbershop comes with its own unique set of insurance concerns. Property damage from fires or plumbing issues, client liability for allergic reactions or slip-and-fall accidents, and workers\u2019 compensation for stylists who develop repetitive stress injuries are all real risks. Comprehensive coverage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":145,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","omw_enable_modal_window":"enable","footnotes":""},"class_list":["post-2666","page","type-page","status-publish","hentry","entry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Salon and Barbers Insurance in Madisonville KY Kentucky. 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