Professional Cosmetology Insurance
As a cosmetologist, you are a therapist.
When your clients share their dreams and pains, you laugh and cry with them.
You hold the power of helping them feel better about themselves after leaving your chair.
Whether you are a hairstylist, barber, or beautician, the positive change you make for your clients influences the steady growth of the beauty industry.
As the demand for beauty treatments increases, employment for cosmetologists is expected to grow 13 percent through 2022.
Your clients need you to be protected, so you can continue to change their lives beyond the chair.
Cosmetology Liability Insurance
One Year
$159
Two Years
$279.95
Save $48.05
Cosmetologists offer multiple services to support their clients, from hair styling and makeup to skin and nail care.
With Beauty Insurance Plus, the cost of insurance stays the same, regardless of the amount of services you offer.
Program Benefits
Why Do I Need Cosmetology Insurance?
The chair will mostly be a place of restoration for your clients. With the blending of training and compassion, you use scissors, makeup, and hair products to uplift appearances and confidence.
Unfortunately, no career is perfect, and the same tools you used to help your clients can potentially harm them.
Common Circumstances that Need Coverage
Paying the average cost to defend a slip and fall lawsuit ($25,000 to $50,000) can put your financial stability and career at severe risk.
We want to help you stay protected from these claims so you can continue the work that you do.
Beauty Insurance Plus: Your Peace of Mind
Beauty Insurance Plus members receive the most comprehensive liability insurance program at one of the lowest costs in the industry. Because your career is important to you, Beauty Insurance Plus wants to be a solution to claims that may get in the way of the service you provide to your clients. We work hard to provide you with:
Compare Cosmetology Insurance Prices By Company
Associated Hair Professionals |
Salon Spa Professional Trade Association / Alternative Balance |
Health and Beauty Association (NAMT/ former IMA) |
||||||
|
Professional & General Liability Insurance |
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
✓ |
$1 Million Per Occurrence
$3 Million individual aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
| Occurrence-Form Coverage | ✓ | Yes | ✘ | No | ✘ | No | ✓ | Yes |
|
Product Liability |
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
✘ |
$1 Million
|
✓ | $2 Million/ occurrence |
|
Rental Damage Coverage |
✘ |
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply |
✓ |
$300,000 |
✘ | $300,000 (Fire and Water only) | ✓ | $100,000 |
| Stolen Equipment | ✘ | Optional—Add $95 | ✓ | $2,000 | ✘ | No | ✓ | $1,000 *$250 deductible |
|
Required CE hours |
✓ |
No |
✘ |
Yes |
✓ | No | ✓ | No Hours Required for Insurance |
|
Hour Qualification |
✓ |
No |
✘ |
Yes
|
✘ | Yes | ✓ | No Hours Required for Insurance |
| Identity Protection Plan | ✘ | No | ✘ | $15,000 | ✘ | No | ✓ | $25,000 |
|
Annual Fee |
$199/yr |
$219 - $249/yr |
$199/yr |
$159/yr Professional
$25 first 12 months Student |
||||
| NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by Beauty Insurance Plus as to the accuracy or completeness of this information. Date that we confirmed this information 8/9/17 | BUY NOW > | |||||||
| AHP?Associated Hair Professionals | SSPTA?Salon Spa Professional Trade Association / Alternative Balance | HBA?Health and Beauty Association (NAMT/ former IMA) | Beauty Insurance Plus | ||
| Professional & General Liability Insurance | ✓ | ✓ | ✓ | ✓ | |
| Occurence- Form Coverage | ✓ | ✘ | ✘ | ✓ | |
| Product Liability | ✓ | ✓ | ✘ | ✓ | |
| Rental Damage Coverage | ✘ | ✓ | ✘ | ✓ | |
| Stolen Equipment | ✘ | ✓ | ✘ | ✓ | |
| Required CE hours | ✓ | ✘ | ✓ | ✓ | |
| Hour Qualification | ✓ | ✘ | ✘ | ✓ | |
| Identity Protection Plan | ✘ | ✘ | ✘ | ✓ | |
| Annual Fee | $199 | $219 | $199 | $159 | |
| BUY NOW > | |||||
What Cosmetology Services Do We Cover?
- Hair Styling
- Skin Care
- Nail Decorations
- Massage
Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics
Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu
Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique
Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing
Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy
Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.
6. Beauty Student Competitive Rate
Beauty Insurance Plus offers first-year policies for students, available at only $25 for the first 12 months. We want to make sure that during the time you are training for your profession, you are insured with the full benefits of our professional program at a discounted rate. Coverage is provided for 12 full months, even after graduation.
Click here to learn more about our insurance for cosmetology students. If you have any questions, please give us a call at 800-941-3583 so we can help you in your journey.
