Esthetician Insurance

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 tailor your business insurance to fit your needs perfectly.

Our policies can give you peace of mind knowing you’re covered. We’ve been helping business owners get the coverage they need for over 200 years. To learn more about general liability coverage or other esthetician policies you may need, get a quote.

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:

Also, keep in mind that each of the 50 states have 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.

To learn more about general and professional liability coverage, as well as other esthetician insurance coverages, get a quote from us today.

esthetician professional liability insurance

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.

How Much Does Esthetician Insurance Cost?

The cost of esthetician insurance depends on the types of coverages you need as either an individual or a business. Typically, small businesses will pay hundreds to thousands of dollars for esthetician insurance coverage. We can help you get the right policies at an affordable price. Our specialists can also outline your annual aggregate coverage limits on your policies. They can also go over any coverage limitations. To learn more, get a quote today.

We Won’t Make You Wait

We know how important your time is. That’s why we offer proof of insurance instantly online.

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.

60% of small business fraud victims didn’t recover any of their losses.¹

Theft

“In addition to offering hairstyling services our business sells products that enhance the health of our client’s hair. When I noticed our shelves of shampoo emptying out quicker than ever before I looked into it. Turns out our employees were stealing from us.”

Commercial property insurance can help cover owned or rented property that you use to operate your business like your:

Building
Equipment
Tools
Inventory

You can also add employee dishonesty coverage to your policy, which will help cover you from employee theft.

Property Damage

“Most of our equipment is plugged in and requires electricity to operate. Recently, an electrical fire broke out in our building that ended up causing thousands of dollars in damage to our interior and equipment.”

A Business Owners’ Policy (BOP) combines business property and liability insurance into one policy. It can help pay for damages to your building and equipment after a covered loss.

Covering Your Operations

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

43% of all data breaches occur at small businesses.²

Cyber Security

“We store our customers’ credit card numbers in our computer system, which helps us bill them easier. But when one of our employees clicked a link in an email they didn’t realize was spam, our system got hacked and customers’ credit card numbers were stolen.”

In the event of a data breach, our cyber liability and data breach insurance can help pay to:

Notify impacted customers, patients or employees
Hire a public relations firm
Offer credit monitoring services to data breach victims

Product Liability

“I’m always recommending specific products to my clients. Recently, one of the skin moisturizers we promote caused a client to have an allergic reaction and she filed a claim against my business.”

Product liability coverage can help cover claims that a product you made or sold caused bodily injury or property damage to someone else.

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.³

Injured Employees

“We spend most of the day at work on our feet. When one of my employees started having back pain where she could barely stand, she made an appointment with her doctor. Turns out she needed four weeks of physical therapy to heal before coming back to work.”

Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness. It can help pay for their ongoing medical expenses like physical therapy.

Customer Injuries

“One of our employees spilled moisturizer on the floor and a customer ended up slipping in it. She twisted her ankle and needed to go to urgent care. She filed a claim against us for the medical bills.”

General liability insurance can help cover bodily injury claims at your business. You can think of this coverage like slip and fall insurance for your small business.