Yes. It is not usually law or compulsory but rather recommended. Many associations for bookkeepers will not accept you as a member if you for not have liability insurance and in some cases also indemnity insurance too.
Liability insurance is provided either by joining a professional organization, like the AMTA, or by an independent insurance agency.
Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
No, there is a business exclusion under the liability section. You personal homeowners insurance will not cover your Commercial activities. You will need a Commercial General Liability policy to cover your business operations.
Your need Professional Liability
You need a commercial general liability policy.
You Need General Liability Insurance.
A beautician would need premises liability to cover anyone who was injured on the property and other liability issues as well as professional liability insurance to cover the beautician against claims resulting from their profession. Professional liability can often times be added to the property and liability (businessowner's) policy for very little additional cost. As a matter of full disclosure, I own and operate a small Independent Insurance Agency for the past 22 years and worked as an agent for direct writers for 3 years prior to that.
There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
A commerical liability policy.
You need commercial General Liability Insurance
A self-employed (or independent contractor) hair stylist should have personal liability insurance and a business license.