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Beauty Insurance Plus

Beauty Insurance Plus - Professional Liability Insurance

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Professional Beauty Insurance Coverage

with Beauty Insurance Plus

Insurance for as low as 46 cents/day

  • Affordable, Comprehensive Coverage
  • 3- Minute Online Application
  • 500+ Beauty & Wellness Services Covered
  • 5- Star Customer Reviews
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Beauty Liability Insurance

Receive comprehensive insurance coverage, plus enjoy exclusive member benefits and additional coverages—all included at no extra cost.

Two Year

$299

Per 2 Years

Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.

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One Year

$169

Per Year

our first year introductory rate. take advantage of everything we have to offer.

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Student

$49

First Year

Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.

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Beauty Insurance Policy Highlights

Professional & General Liability

$2 Million per occurrence, $3 million per year

Professional & general liability insurance are crucial for protecting your business. Professional liability covers you against claims related to errors, and negligence. General liability protects you from accidents on your premises, like slips and falls, and covers client bodily injury. Together, these insurances ensure you can operate with confidence, knowing you're safeguarded against potential risks.

Personal & Advertising Injury

$2 Million per occurrence, $3 million per year

Personal & advertising injury coverage protects your beauty business from claims like defamation, copyright infringement, or privacy violations. If your marketing or business practices unintentionally cause harm, this insurance ensures you're financially safeguarded against legal costs.

Identity Theft Protection

$25,000

Identity theft protection safeguards your personal and business information from fraud. If your identity is stolen, this coverage helps restore your financial security by covering legal fees, lost wages, and other costs associated with reclaiming your identity, allowing you to focus on your business without the stress of financial fallout.

Occurrence Form Coverage

Industry’s Preferred Choice

Occurrence form coverage protects your beauty business from claims that arise from incidents during your policy period, even if they are reported later. This means you're covered for claims related to events that happened while your policy was active, providing long-term protection and peace of mind.

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Over 500+ Beauty & Wellness Services Included

Our policy was designed specifically for beauty professionals. We cover more than 500+ beauty and wellness services at no additional cost. We can guarantee that we will protect your career from any accidents that may happen in the salon or spa.


Who Do We Cover?

Estheticians ›

Cosmetologists ›

Nail Technicians ›

Makeup Artists ›

Additional Modalities:

  • Hair Styling
  • Lash Technicians
  • Waxing Technicians
  • Brow Artists
  • Microneedling
  • Barbers
  • Spray Tan Artist
  • Body Contouring
  • Pedicurist
  • Microblading
  • Instruction
  • Massage Therapy
  • Light Therapy
  • Ombre Brows
  • Chemical Peels
  • Eyebrow Tinting
See All 500+ Modalities

The #1 Choice for Cosmetology & Esthetician Liability Insurance

Count on us to safeguard your career with the dedication and commitment you deserve. With a network of over 200k insured professionals and stellar 5-star customer reviews, your peace of mind is our priority.

I've been with Beauty Insurance Plus for going on 4 years, they are super affordable and offer great coverage. Their sign up and renew processes are so easy and simple. They even allow me to renew for two years at a time which I love! One less thing to think of! 10/10 recommend.

Julia Skawrlo // Cosmetologist

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License Requirements for

Cosmetologists, Estheticians, & Nail Tech by State

We're committed to making it easy for you to find the information you need. That's why we've created this straightforward guide covering the license requirements for all 50 states.

Common Cosmetology Industry Claims

Why risk the high costs of medical expenses, legal fees, and other unexpected charges when you can secure complete career protection for just $169/year?

Client Slip & Fall

A clients slips on water walking from the shampoo bowl to the chair and injures themselves.

Estimated Damage? $150,000

Client Allergic Reactions

Trying a new product on a client, and the client has an allergic reaction.

Estimated Damage? $20,000

Scalp Burn from Hair Dye

The professional left the hair dye on the client for too long resulting in scalp burn.

Estimated Damage? $40,000

Save With Us.

Insured with someone else?

Check out how much you could save with Beauty Insurance Plus below.


3%


11%


15%

Hands on Trade

NEXT

Associated Hair Professionals


34%


37%

Associated Skincare Professionals

Alternative Balance

Prices and quotes are based on cosmetology professional living in FL, 2024 with coverage options comparable to Beauty Insurance Plus.

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Beauty Insurance Frequently Asked Questions

What is beauty insurance?

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.

How much is Beauty Insurance Plus’s cosmetologist insurance program?

Cosmetology liability insurance is offered at a flat annual rate of just $169. Or to lock in an even lower annual rate of $149 per year, you can purchase a two-year plan for $299. 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 $149/yr 15hrs or less.

Why should I purchase beautician insurance?

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 identity theft, advertising liability, 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 (professional liability), or a beauty service you provided didn't seem like the same thing they read about (advertising & personal injury liability). 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 $169 for a whole year, you can have the complete confidence that comes with complete beauty liability insurance for the beauty services you provide.

Do I need beauty insurance in order to get a cosmetology license in my state?

The different state boards that govern the licensing requirements for each state’s cosmetologists will set their own guidelines for everything that’s needed when it comes to your cosmetologist license. States can vary significantly in how much education they’ll require, what kind of test they’ll accept, and even renewal periods - some states are annual some biennial, and some even triennial. All that to say, always check with your state board for the most up-to-date requirements. While not every state requires insurance in order to get licensed, practicing cosmetology without beauty insurance is like driving for a ride-hailing service without car insurance. At some point, chances are that an unforeseen event will present you with a financial loss. Protecting your finances and your career long-term, beauty insurance is an economical shield behind which you can confidently provide great service to your clients, grow your base, and ultimately be successful in the beauty business. 

What does Beauty Insurance Plus’s liability insurance cover?

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 personal and advertising injury coverage and even an identity protection plan. 

What’s the most affordable way to get beauty salon insurance?

At $299 for a two-year term, this professional program is by far the cheapest annual option available for top-notch beauty insurance coverage at just $149 per year. With a check out process that only takes minutes, you can have full insurance coverage with an immediate certificate of insurance (comes in handy more times than you know!) for one low, annual rate. We have several different plan options available so you can choose the best combination that works for your situation as a beauty pro. No matter which plan you choose, you’ll have peace of mind knowing you’ve got great coverage, at a great rate.

What makes Beauty Insurance Plus stand out above the competition?

Right in our name we want to showcase our deep and longstanding commitment to professionals working within the beauty industry. To this, we believe insurance should exemplify what insurance was actually made for. A usable, accessible, and easy-to-understand policy that helps when you need it without making you jump through a bunch of hoops. We’ve put a lot of work into making the application super seamless so you can get in, get covered, and get on with the million other things besides insurance you’ve got on your plate today.


This insurance program particularly stands out in our approach to anticipating the needs of our members and covering accordingly. Over the years, we’ve also had the occasion to develop some pretty cool partnerships with top names in beauty. These partnerships give our members sweet perks like exclusive deals and early access to products, events, and more. Great coverage, great benefits, and having great people here to support you is how we’ve distinguished our insurance program over the years. 

What’s the best place to get esthetician insurance?

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. 

Being an esthetician insurance provider for so long means we’ve developed a deep and personal understanding for what members need in an insurance program. We know hardworking professionals need insurance that provides a real benefit throughout a career. We’ve honed our program just for the unique requirements of estheticians, building in great coverage limits, a broad amount of coverage options, and true affordability with flat, no-nonsense annual rates. We like to think that makes us the best place to get esthetician insurance. Still on the fence? Check out what hundreds of your fellow esthetician professionals are saying about our program.                                    

Does Beauty Insurance Plus offer makeup artist insurance while you're still in school?

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 $49. 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 $49. 

Does BIP offer any salon business e-books?

As a service to our members and hopefully members-to-be, we produce curated content by beauty pros for beauty pros. Topics we find interesting enough to write about include cutting edge business e-tools out there, marketing insights for the beauty business, building a social media following, how to add to a client base, and more. Lucky you,  our free ebook The Roadmap for a Successful Beauty Business is now available.

How can I add an additional insured to my policy?

We've made the process of adding an additional insured fast and easy. Please just fill out our Additional Insured Request Form to submit your request. After your request is submitted, one of our trained reps will contact you but note that all requests received after 4:00 PM EST will be processed the next business day.

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Rest assured you and your career are protected with Beauty Insurance Plus. We're A-Rated (Superior) and backed by some of the biggest names in the industry.

Beauty Insurance Plus

8430 Enterprise Circle, Suite 200
Lakewood Ranch, FL 34202
info@beautyinsuranceplus.com
(800) 941-3583

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202. All Rights Reserved.

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