Taking advantage of our $10 discount for first time members, you can secure great coverage at a low rate of only $159 per year. To save even more, opt for the two-year plan option which drops the annual rate down to around $139 per year. Beauty Insurance Plus also offers part-time and monthly payment plans. Our part-time policy is $135/yr 15hrs or less. If you are a student still in beauty school, you can get a specially-created student insurance program at the heavily discounted rate of $25 for a full year of professional-caliber insurance coverage.

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.

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.

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.

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.

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!

General liability is so-named because of the general nature of the events that might present a liability, i.e. something you’re financially responsible for. You’ve probably heard this called slip and fall insurance because something as commonplace as this type of event can mean a multimillion-dollar suit against a business owner. Most times, the injured party is claiming some form of negligence on your part contributed in whole or in part to them receiving the injury and/or damages. With our program, cosmetologists are covered all the way up to $2 million for each individual occurrence, up to $3 million total for the year for third-party claims of injuries or property damage.

Conversely, professional liability is related to the activities that you perform in a professional capacity. Coverage for this is also called “malpractice insurance” because it relates to the services you provided that then led someone to assert a claim against you for injuries and/or damages. For example, you are applying some highlights that end up giving the client chemical burns for which they turn around and file suit for their injuries and hospital bills. You also get $2 million for each occurrence for these types of claims and a $3 million individual annual aggregate. 

We understand that many professional cosmetologists choose to rent booth space at a salon or rent space for their own salons. As a renter, your landlord will usually hold you responsible for any damages that might occur during space. Just a little accident can create a problem with a laundry list of repairs your landlord says you need to pay. With our comprehensive cosmetologist insurance program you get all the way up to $100,000 to help cover the costs of repairs to damages occurring within a rented space.

If you’re looking for a free website to jumpstart your career as a cosmetologist, you’ve come to the right place. Not only can you get all-encompassing professional liability insurance coverage for cosmetologists, but on day one you also get a whole bag of additional benefits including a free professional website designed just for those in beauty and wellness. With a professional website, you can build out all the information about your particular brand of services so that those in your area looking for that can be steered right to your site to learn more about what you offer.

We wanted to make our insurance for cosmetologists as accessible as possible so created an online insurance platform with an easy to navigate application process that can be completed 100% online. In minutes, you can get full and complete insurance coverage for your career in cosmetology from anywhere in the world where you have an internet connection. Not compromising quality coverage for accessibility, this insurance program is underwritten by industry-recognized Aspen Speciality Insurance Company, which is A-Excellent rated by A.M. Best.