Beauty insurance is made just for cosmetologists, those skilled professionals that have to be skilled and mindful of so many different beauty techniques in order to produce the perfect look for their clients. There are unfortunately many different forms of liability present for professionals working in the beauty industry. In beauty school, students are drilled and tested about sanitizing equipment and spotting health issues so they don’t exacerbate a condition, but sometimes there are events that are simply outside the realm of control. Even when you are super careful to clean and sterilize your equipment, you know every beauty treatment in the book, and take excruciating care with every detail of your work with a client, all it takes is one, simple accident to cost thousands. Without cosmetology insurance, these costs could be entirely out of pocket.

Cosmetology liability insurance is offered at a flat annual rate of just $159. Or to lock in an even lower annual rate of $139 per year, you can purchase a two-year plan for $279.95. With either plan you choose, you get stout coverage limits for a multitude of different beauty services so that you can choose the very best combination of services that’s right for the client. Also, the more services you can offer, the greater marketability you will have either as an employee within a salon, a freelance beauty pro, a mobile salon owner, or as a renter of booth space in a mall. With this insurance program you can also move wherever your career needs to go to offer cosmetology services and still be covered so long as you’re still operating somewhere in the U.S. Beauty Insurance Plus also offers part-time and monthly payment plans. Our part-time policy is $135/yr 15hrs or less.

Insurance is a way that you can help decrease, or mitigate, the amount of risk you’ll face. This risk translates into the likelihood that a claim event will occur at some point in a career. Our top-rated beautician insurance program covers the costs of claims that relate to general and professional liability, as well as other areas like product liability, stolen equipment, rental damages, and more. Without insurance, you’ll face the same risks, you just won’t have anyone backing you up when a claim lands in your lap. 

Areas, where a client or someone else (third party) may say you are liable, could be an instance where they slipped and fell (general liability), your services left them injured or damaged their property (professional liability), a beauty service you provided induced a bad allergic reaction (product liability), or some spilled hair chemicals required replacement of the floor in a rental booth. However, the many, many different ways that an unforeseen event can crop up, the effects are the same. Without insurance, you’ll pay the costs, which can be substantial, out of your own pocket. Conversely, for $159 for a whole year, you can have the complete confidence that comes with complete beauty liability insurance for the beauty services you provide.

Beauty Insurance Plus liability insurance covers a wide range of services within the beauty and wellness industries. From estheticians, to cosmetologists, microblading professionals, and nail technicians, we provide the coverage professionals need in order to be confident in providing great service to clients. Your focus should be entirely on creating a great look in your client, while also being consummate in your methods for applying just the right technique, not on whether or not an event might come someday with costs that are simply too much for you to bear alone. 

Even skilled professionals with many years of experience can ultimately be faced one day with an event that was simply outside of their control. Maybe a piece of equipment isn’t quite 100% sanitized and that leads to an infection or an elderly client you’ve serviced for years trips and falls on their way to your chair and suddenly decides to file a lawsuit against you for all their expenses. Liability insurance from Beauty Insurance Plus provides an expert team of claims professionals to immediately go to work covering the costs of the claim and any legal defense fees, if necessary. 

Beyond general and professional liability insurance, our liability insurance for beauty professionals also includes product liability, stolen equipment, and rental damage coverage, and even an identity protection plan. 

Esthetician insurance needs to be created by people that understand the unique aspects of this skincare and beauty profession. We know some estheticians lean towards medical-grade treatments and others employ their skills in a relaxed, spa-like environment. You may be on your own, offering in-home treatments or you can be renting booth space in a salon. The many different career paths of an esthetician depend on your market, your skills, and overall, what services you want to provide. 

Absolutely! Students still in training to become cosmetologists, makeup artists, barbers, estheticians, and others in beauty will face a lot of similar liabilities as professionals. We offer an economical solution for students in a beauty school with our one-year students plan for just $25. This plan comes with all of the same high coverage limits and protections available in our professional plan at this incredible rate just for students. Take advantage of this program and sign up as you near graduating from beauty school. That way, you get almost all of your first year in a new field covered for only $25.