Cosmetology insurance

Liability insurance for cosmetologists and beauticians

Make a mistake in the beauty business and the effects will be more than cosmetic. A negligence claim can scar your reputation. And leave your bank balance looking anything but pretty.

Cosmetology liability insurance protects you when things get ugly. If a customer claims you did something wrong, it pays your legal defense costs, medical bills, and damages too.

Whether you’re a salon owner, nail tech, barber, or hairstylist, beauty insurance is the treatment you want to keep your business account blooming. And your reputation blemish-free.

• What does cosmetology insurance cover?

  Cosmetologist insurance can cover the cost of medical bills, legal fees and compensation if a client makes a claim against you for:

  • Emotional distress: accidentally leaving hair dye on too long causes scalp burns and damage to the hair itself. Your customer sues for emotional distress, bodily injury from the burns and lost wages because he was unable to return to work for several weeks.
  • A treatment gone wrong: a facial severely irritates a customer’s skin causing a rash. Because of this she has to cancel a modeling job and seek treatment from her doctor. She sues you for loss of earnings and medical bills.
  • Loss of personal data: misplacing a file containing a customer’s personal information results in a lawsuit.

• Who needs cosmetology insurance?

  If you rent a booth, or work out of premises you don’t own or rent (a salon, or spa for example) you’re required to have your own cosmetology liability insurance policy. But anyone in the beauty business needs insurance. Whether you’re a mobile beautician or hair stylist, you treat clients in your own home, or a salon.

  Scissors, trimmers, wax and chemicals -- even in the safest hands, the tools of your trade can cause unintentional injury or allergic reaction. And the ugly truth is, a licensed cosmetologist can be sued even if they didn’t slip up.

  Professional liability insurance for cosmetologists and beauticians is styled specifically for the kind of risks you face. It means you can get on with the business of making your customers look and feel their best, knowing your business is protected.

  It’s available for:

  • Beauticians
  • Barbers
  • Cosmetologists
  • Estheticians
  • Hairdressers
  • Nail technicians
  • Small salon owners
  • And more

• What types of insurance do mobile beauty therapists need?

  As a mobile beauty therapist, whether you’re a sole trader, or you have several employees, there are some basic beauty business insurance policies you need:

  General liability insurance – to protect you from the cost of claims you caused damage to someone else’s property, or injury to someone (not one of your employees).

  Professional liability insurance – to protect you from the cost of medical bills, legal fees and compensation if a client claims for emotional distress, a treatment gone wrong or personal data loss.

  Portable business equipment coverage – to cover loss or damage to your equipment while you’re out and about treating clients in their homes

  Read more about the types of insurance mobile beauty therapists need. Or call us and we’ll talk you through your options and style a beauty insurance package to suit you.

• I rent a booth/chair, what insurance do I need?

  Most salon owners who rent booths to independent beauty professionals, don’t provide insurance. Whether you’re a hair stylist, barber, nail tech or esthetician, you’ll be required to have your own.

  Your booth rental insurance should include the basics:

  • General liability insurance – to protect you from the cost of claims you caused damage to someone else’s property, or injury to someone.
  • Professional liability insurance – to protect you from the cost of medical bills, legal fees and compensation if a client claims for emotional distress, a treatment gone wrong, or personal data loss.

  But there are other policies you might want, like business personal property insurance. It covers your tools and equipment if they get lost, damaged or stolen.

  Read more about booth rental insurance on our blog. Or call us and we’ll talk you through your options

What other kinds of insurance do cosmetologists need?