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Cosmetology insurance

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Quote online and buy in minutes

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Flexible payments

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Cosmetology insurance

Quote online and buy in minutes

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Choose your cover, protect your business
Professional liability (errors & omissions) insurance
From $20.83a month
To protect you against claims relating to your work, including bodily injury resulting from your services and claims of negligence even if you haven’t made a mistake.
General liabilityinsurance
From $8.33a month
Protection against damage to someone else’s property, injury to a third party (not resulting from your services) and related medical bills, as well as legal defense costs even if the lawsuit is groundless - and more...
Add on business personal property (BPP) insurance to protect your tools and equipment on-site.

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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:

  • 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?

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Business owner's policy (BOP)

Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed agents today on 978.344.4215.

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For help, support or just a quick question, feel free to call me.

I'm Amber - I'm here to help you Monday to Friday, 9am-5pm ET.

My direct line is 978 344 4225.

Amber

Amber Smith
Customer Service Representative

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