​If you compare the cost of coverage versus the cost of a potential claim against you, the math shows that professional liability insurance is a cost effective tool for managing risk. For cosmetologists providing hands on services to clients, all it takes is one client asserting that your services caused their injuries or other damages for a claim to be filed. Unfortunately, baseless claims abound in today’s society but even a claim without merit can be costly to defend. Cosmetologist insurance provides coverage for the two most common categories of liability - professional liability and general liability. Our program provides stout limits for these two liabilities and goes further to provide a truly comprehensive liability insurance program with product liability coverage, rental damage coverage, stolen/damaged equipment coverage, and identity theft protection.

We have seen many instances where a lawsuit names both the salon and the employee in a claim for injuries and/or damages. While your salon may afford a basic level of protection, it may not be adequate to cover a claim leveled against you which is why having your own cosmetologist insurance policy provides the best level of protection.

Renting a booth at a salon means you are more than likely being employed as an independent contractor. As an independent contractor you have the ability to make your own schedule, take on whichever clients you choose, and generally make most decisions concerning your business. The flip side of the coin is that you also hold the majority of the liability when conducting services for clients. This makes cosmetology professional liability insurance not only practical, but necessary if you want to avoid the possibility of having to pay for a future claim out of your own pocket. When costs for treatments of injuries can run in the tens of thousands of dollars, one claim is all it can take to severely impact personal finances and career aspirations.

If you are renting space in a salon, most salon owners will require proof of insurance before they will allow you to conduct services on clients. Being self employed means you hold the liability for yourself and your business. This means that professional liability insurance should be carried the moment you decide to embark into this career and provide services to clients. With student plans available, you can protect yourself and your business from the moment you enter cosmetology school and throughout your entire career.

To help members make the best decision for them and their business, we offer a comparison of the various components of our policy side by side with leading competitors in the field of insuring beauty professionals. Taking a moment to compare the different providers’ cosmetology insurance programs shows how our program provides the best available coverage options, the best policy features, great limits, and some of the lowest rates available on the market today.

Limits are the most amount that your insurance provider will pay for a given claim or all claims total during your term. Limits need to be adequate enough to cover the many different forms of liability that can present themselves during a cosmetologist career but should never be more than what’s needed. Some programs will showcase really high limits but the odds that you will ever come anywhere close to needing that much coverage is very small. At Beauty Insurance Plus, we set limits at appropriate levels based on our many years within the cosmetology insurance industry.

Our streamlined membership portal affords members with the ability to obtain instant proof of insurance. Typically, you can fill out our online application and have the protection of full coverage in place within just a few minutes.

Most people turn to Google in order to make purchasing decisions but there are many instances out there today of fake reviews to either inflate a business or hurt a competitor artificially. While we enjoy great feedback from the professionals we insure, we are in the process of migrating to an independent, third-party review gathering platform called TrustPilot. TrustPilot invites verified users of a product or service the chance to share their experience in a pressure free environment. Continue to check back as we continue to get more reviews to our new TrustPilot account.

Absolutely. In the insurance realm being able to move your insurance policy from job to job, from state to state, and even to over 350 different services is called ‘portability’. If your insurance provider does not offer portability, you are risking losing coverage should your career necessitate a change in location.

Yes, in order to purchase an effective policy you need to have met all of your state’s cosmetology educational and licensing requirements. Operating without a license is illegal in many states and we cannot provide coverage for an illegal activity.

We want to make our membership as great a value as possible so in addition to a stout suite of coverages, we provide an attractive membership benefits package. Our member benefits includes items like a free professional website, a free subscription to one of several leading beauty magazines, exclusive discounts and early access on products and tools, free eBooks, fun contests, free business resources, and more!

Our identity theft protection program provides up to $25,000 in identity recovery services should your identity be compromised. We have partnered with Identity Fraud, Inc. to provide this ancillary protection to our members. For full details, please visit Identity Fraud’s website.

Absolutely! We offer all of the same benefits of our professional liability insurance program to students for the low rate of just $25 for a full year of coverage. A smart decision is to wait until you are nearing graduation as a student and then purchase this policy. That way, you will enjoy great coverage at an incredible rate for the majority of your first year in the business of beauty as a newly licensed cosmetologist.