Esthetician Insurance

Whether you’re doing a facial or giving a wax, beauty professionals face risks on the job every day. That’s why we offer esthetician insurance to protect you as you do what you love.

Do Estheticians Need Insurance?

Whether you work independently at a salon or have your own business, you’ll need certain esthetician liability insurance coverages. In fact, we can help you thoughtfully customize your business insurance to fit your needs perfectly.

What Kind of Insurance Do Estheticians Need?

Estheticians have varying insurance coverage needs. Depending on the services you perform, you may need esthetician insurance coverages, like:

Professional Liability Insurance: Covers claims of negligence, misrepresentation, and inaccurate advice.
Commercial Property Insurance: Helps cover owned or rented business property like your building, equipment, or inventory.
General Liability Insurance: Helps cover costs of bodily injury or property damage caused by your business.
Workers’ Compensation Insurance: Provides benefits to employees with work-related injuries or illnesses.
Business Income Insurance: Helps replace lost income if your business has to shut down temporarily due to a covered loss.
Business Owners’ Policy (BOP): Combines business property and business liability insurance into one convenient policy.

Also, keep in mind that each of the 50 states has a state board of cosmetology that governs estheticians. On top of insurance, you’ll likely need certain licenses from them. Be sure to check the requirements in your area.

Who Needs Esthetician Insurance?

Our esthetician insurance can help protect:

Estheticians
Cosmetologists
Massage Therapy Professionals
Nail Salons

Esthetician business insurance coverages can help make sure you don’t have to pay for claims out of pocket.

Protecting Your Property

You never think it’s going to happen to you – until it does. Having the right coverage can help protect your esthetician business. Coverage can include:

Theft
Property Damage

Covering Your Operations

Of course, you can’t prevent issues from happening, but you can always be prepared. Get thoughtful insurance coverage for your business so you can have peace of mind as you work. Coverage can include:

Cyber Security
Product Liability

Taking Care of Your Team

Accidents happen every day. Keep your employees and your business covered with esthetician liability insurance that will protect you both.

The risk of experiencing a work-related injury is over two times greater for those with jobs that require physical effort, like lifting, kneeling, or crouching. Coverage can include: