Sally Beauty COI Requirements 2026
What Sally Beauty Requires on Your COI
Three things must be exact: the certificate holder, the limits, and the additional insured language. Miss any one and the COI gets rejected.
Certificate Holder
3001 Colorado Blvd.
Denton, TX 76210
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| Each Occurrence (CGL) | $1,000,000 |
| General Aggregate | $2,000,000 |
| Products / Completed Operations | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Damage to Rented Premises | $300,000 |
| Medical Expense (Any one person) | $5,000 |
Required Additional Insured Language
Sample COI for Sally Beauty
How Much Does Sally Beauty-Compliant Insurance Cost?
Sally Beauty-compliant policies for cosmetic, hair care, and beauty product vendors typically run $200 to $800 per month due to product liability complexity around personal care products. Vendors with specialty ingredients (peroxide, ammonia, dyes, formaldehyde-related) run $500 to $2,000+ per month.
Why Sally Beauty Rejects COIs
Sally Beauty COI FAQ
What are Sally Beauty's minimum insurance requirements?
$1,000,000 per occurrence and $2,000,000 general aggregate of CGL with products / completed operations specifically extended to cosmetic and beauty goods. Sally Beauty Supply LLC, its Parents, Subsidiaries, and Affiliates must be named as additional insureds.
Does my Sally Beauty policy cover allergic reactions and dermatological claims?
It needs to. Standard ecom GL policies often have exclusions for allergic reactions, dermatological claims, and personal care products. You need a policy form that specifically covers these — verify your form before binding.
What products are highest-risk for Sally Beauty vendors?
Hair color products (peroxide, ammonia, allergens). Skin lighteners. Hair relaxers. Acetone and chemical products. Products with formaldehyde-related ingredients. Tools (hot tools, scissors, dryers). Each of these carries elevated product liability exposure.
Does Sally Beauty require professional / cosmetology liability?
For products only — yes, product liability is the primary requirement. If you are a stylist or beauty professional providing services, additional Professional Liability is recommended but not required by Sally Beauty for product vendor compliance.
What if my products contain trade secret formulations?
Trade secret formulations are still subject to product liability. Insurance carriers will require you to disclose general categories (e.g., "hair color," "skin care") for proper underwriting. Specific ingredients can typically remain confidential.
Does Sally Beauty require waiver of subrogation?
Sally Beauty's baseline requirements do not explicitly require waiver of subrogation, but specific Vendor Agreements may add it. Confirm before binding.
Does Sally Beauty accept claims-made policies?
Sally Beauty prefers occurrence-basis. Claims-made is accepted with proper retroactive date and tail coverage. Cosmetic vendors should especially carry occurrence — claims can emerge years after a product is used.
How much does Sally Beauty-compliant insurance cost?
Cosmetic, hair care, and beauty product vendors: $200-$800/month due to product liability complexity. Specialty ingredient vendors (peroxide, ammonia, dyes): $500-$2,000+/month. Worth shopping multiple specialty carriers.
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