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Esthetician insurance

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Quote online and buy in minutes

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Quick & easy

Flexible payments

Friendly advisors

Esthetician 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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Professional liability insurance for estheticians

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.

  • Who needs esthetician insurance?

    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:

    • Beauticians
    • Barbers
    • Cosmetologists
    • Estheticians
    • Hairdressers
    • Nail technicians
    • Small salon owners
    • And more.
  • What does estheticians’ insurance cover?

    Professional liability insurance for estheticians protects you from the cost of claims made for:

    • Negligence – you wax a customer’s eyebrows and her skin gets so badly irritated she has to cancel a modelling job and seek medical treatment. She sues to cover the loss of earnings and medical bills. Your esthetics insurance policy can pay legal fees and damages.
    • Loss of personal data – you misplace a file containing sensitive client data. It was accidental, but your client sues you for releasing their personally identifiable information. Your esthetics policy can cover the costs of the claim and hire an attorney to defend you if necessary.
    • Claims made worldwide – as long as the claim is filed in the U.S., a U.S. territory or Canada.
  • How much does esthetician insurance cost?

    The price of your esthetics insurance will be affected by things like:

    • The type of esthetics services you offer, such as waxing and facials
    • The equipment and property you rent, or own
    • Your business income
    • Your location
    • How many staff you employ

    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.

What other kinds of insurance do estheticians 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 advisors today on 978.344.4215.

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

My direct line is 978 344 4222.

Lisa

Lisa Blanchette
Sales Team Leader

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