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When you make a mistake in the skincare business, you’ll have more than a red-faced customer to deal with. And a negligence claim’s no minor irritation. It’s a major flare-up that can put your bank balance in the red and permanently scar your reputation.
Estheticians’ insurance acts as a protective barrier. If a customer claims you did something wrong, it takes care of your legal costs and damages. Leaving your reputation glowing and your business healthy.
Even skincare experts like you don’t get it right all the time. And while you encourage customers to speak up if something feels off during a treatment, the ugly truth is, a licensed esthetician can be sued even when they’ve done nothing wrong.
Insurance for estheticians is designed to cover the specific risks you face as a skin care professional. Whether you run a salon, a mobile service, or freelance in a spa. It doesn’t just cover claims made by unhappy customers, either. Esthetics insurance protects you if a client sues you for losing their personal data, too.
But if esthetics is just one of the services you offer, we can get coverage for other health and beauty professions, including:
Professional liability insurance for estheticians protects you from the cost of claims made for:
The price of your esthetics insurance will be affected by things like:
The good news is, we can tailor your policy for the specific risks your business faces.
What’s more, you can spread the cost of your insurance by paying quarterly, or monthly. Whatever suits you best.
As for the level of cover you need, it’s best to over-estimate. Think worst-case scenario, but do choose a figure you can sensibly afford.
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:
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 advisors today on 978.344.4215.
For help, support or just a quick question, feel free to call me.
I'm Tim - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4221.
Customer Service Representative