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 |
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| 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
Chemical Wave
Children
Custom Wrap
Design, Cut, & style
Flash or Balyage Highlights
Hair Bleaching
Hair Coloring
Hair Treatments
Hairshaping
Instruction
Permanent Wave
Shampooing
Straightening
Thermal Styling
Waves
Weave
Wet Styling
Wig Stylist
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.
