Shelves full of small, costly stock.
Property and inventory, product liability for the hair, skin and nail products you sell, crime and theft, general liability and workers' comp for beauty supply stores and wig shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Relaxers, wigs and walk-in traffic
A beauty supply store sells products that touch skin and scalp: relaxers, dyes, lash glue, nail chemicals. When a customer gets a burn or a reaction, the claim can name the store as well as the brand. Wigs and human-hair bundles are high in value and easy to shoplift, and stores often carry thousands of small items.
I build a package around your inventory value, how you sell (counter, online, or to salons), and whether you style or fit wigs in the store. Fitting and styling is a service, so it needs to be on the application.
- PropertyInventory, fixtures, displays and signs.
- Product liabilityReactions and burns from products you sell.
- CrimeEmployee theft and money on premises.
- General liabilitySlip-and-fall and customer injuries in the aisles.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Store: address, square footage and hours.
- Stock: inventory value at its peak, wigs and hair listed separately.
- Products: top brands, any private-label items.
- Services: wig fitting, styling or braiding in the store.
- Security: cameras, alarm and after-hours storage.
- Revenue and payroll: annual figures and current policies.
Beauty supply insurance, answered
If a relaxer burns a customer, who gets sued?
Often the manufacturer and the store both. Product liability on your policy can respond to claims from products you sell, subject to its terms, and the brand's own coverage may apply too.
Do private-label products change things?
Yes. If your store's name is on the bottle, you're treated more like the maker. Tell me about any private-label line so it's rated correctly.
Does a wig fitting count as a service?
It can. Cutting, styling or applying a unit is closer to salon work and may need professional coverage or a stylist's license. I list it so there's no gap.
How do I insure seasonal stock spikes?
Many property forms can add peak-season coverage for inventory above your normal level. Give me your highest month's value.
Do you offer beauty supply store insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Insure the store and the shelves
Send me your address, inventory value and the products you carry. I'll match your store with insurers that write beauty retail.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.