Protect Your Business Against Liability Damages with Personal Services Insurance

Personal services insurance from State Farm® provides coverage that can help you through a variety of situations, such as if:

  • Your office was destroyed by fire or vandalism.
  • A customer brought a lawsuit against you.
  • A business had to shut down depriving you of income.
  • Your business documents were lost or destroyed.

For complete details of our personal services and personal liability insurance policies, please contact your State Farm agent.

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Barber Shop, Beauty Salons, Day Spas and Cosmetic Stores

There are several distinctive features available in the Personal Services insurance policy, including:

  • Coverage for your business property such as buildings and other structures, inventory, property in transit, and much more.
  • Comprehensive general liability — A personal liability insurance policy that provides financial protection against costly claims and lawsuits.
  • Loss of Income — Protection in case you must close your business because of a covered loss.
  • Accounts Receivable — Covers loss of monies due to you that are noncollectable because of damage to accounts receivable records.
  • Back up of Sewer and Drain — Provides coverage for accidental direct physical loss to business personal property at your location.
  • Computer Property — Coverages for computer equipment used in the business operation.
  • Data Compromise and Identity Restoration — Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
  • Employee dishonesty — Covers direct physical loss of business personal property including money and securities caused by dishonest acts committed by employees
  • Equipment Breakdown — Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers.
  • Money & Securities — Covers the loss of business money and securities caused by theft, disappearance, or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored auto or within the residence of a messenger.
  • Signs — Covers accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control.
  • Utility Interruption — Provides loss of income coverage due to failure of communications, water, natural gas or electrical service to your insured premises for more than eight consecutive hours. See policy provisions.
  • Barber, Cosmetologists, and Estheticians Professional Liability

Let a local State Farm agent help you customize a plan for your business that can include a business policy, workers compensation, business life, and retirement.


This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.

Professional Liability insurance is available through State Farm for a limited number of professions. The coverages described in this material are not related to professional liability insurance.

Identity Restoration and Data Compromise are options available for an additional premium.

Medical Office insurance is not available in Massachusetts or Rhode Island.