Liability Insurance for
The Professional Esthetician
We believe in the work that you do, and want you to be able to continue to help your clients look and feel better, regardless of the claims that may arise and hurt your business.
As a Beauty Insurance Plus member, you will be able to take advantage of an affordable, comprehensive liability insurance program for just $149 per year.
What Does Your Liability Insurance Cover?
Estheticians offer multiple services to support their clients, from skin care to massage. With Beauty Insurance Plus, the cost of insurance stays the same, regardless of the amount of disciplines you practice.
Whether you're full-time or part-time, working in a spa or rented space, independent or employee, Beauty Insurance Plus is one low rate.
With Beauty Insurance Plus, your insurance rate stays the same, regardless of the amount of disciplines you practice.
Policy Limits
- Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
- Product Liability: $2 million per occurrence, $3 million per year
- Rental Damage Insurance: $100,000
- Stolen Equipment Insurance: $1,000
- Identity Protection Plan: $25,000
- Occurrence Form Coverage: the industry's preferred choice
Additional Benefits
- Instant Coverage and Digital Proof of Insurance at Checkout
- Free Professional Website
- PLUS, a free annual subscription to one of six beauty publications: Beauty Launchpad, DAYSPA, EYELASH, Man Magazine, NailPro, or The Colorist
- Excellent customer service with live agents available 8:30 to 8:30 ET Monday through Friday, plus limited weekend hours
Professional Liability Insurance
$149 / yr
Or call 1-800-941-3583 for more information.
Common Circumstances That Need Coverage
- Slip and Fall
- Bodily Injury
- Allergic Reaction
- Incorrect Treatment
- Unsanitary Treatment
- Stolen Equipment
- Rental Damage
Waxing is one of the most common causes for injury claims, affecting even the most skilled professionals.
If you are not prepared, paying more than $60,000 for a lawsuit can hurt your career.
What Skin Care Services Do We Cover?
We offer coverage for more than 350 beauty and wellness services. If you don't see what you're looking for below, click here for our full list.
- Acne treatments
- Body Scrub
- Chemical peel (no lasers)
- Cold Light Series 6 Facials
- Color consultations
- Cosmetic massage
- Dermaplanning
- Eyebrow shaping & tinting
- Eyebrow extensions
- Hair removal (no lasers)
- Herbal wraps
- Instruction
- Make-up (not permanent)
- Manicures
- Microdermabrasion
- Pedicures
- Salt Scrubs
- Skin peels
- Ultra sonic facial
- Ultra sound facials
- Vitamin C peels
- Waxing
- And more!
Or call 1-800-941-3583 for more information.
Comparison Grid for Beauty Insurance
| Benefit | Beauty Insurance Plus | Associated Skin Care Professionals | Salon Spa Professional Trade Association | |
| NAMT/former IMA Health and Beauty Association |
||||
| Annual Membership Fee | $159 – No Association Fees | $259 | $229/$249 | $199 |
| Immediate Coverage | Yes | 24 Hour Waiting Period | Yes | Yes |
| Student Fee | $25 for 12 Full Months | $45 Until Graduation | $169 | $99.95 |
| Hour Qualification | None | None | Yes | Yes |
| Required CEU hours | None | None | Yes | N/A |
| Professional & General Liability Insurance (Malpractice & Trip and Fall) | $2 Million/occurrence $3 Million individual annual aggregate | $2 Million/occurrence $6 Million individual annual aggregate | $2 Million/occurrence $3 Million individual annual aggregate | $1 Million/occurrence $3 Million individual annual aggregate |
| Product Liability | $2 Million/occurrence | $2 Million/occurrence | $2 Million/occurrence | $1 Million |
| Rental Damage Coverage | $100,000 | $100,000 (Fire Legal Liability) General Liability limits may apply | $300,000 | $300,000 (Fire & Water Only) |
| Coverage follows you Anywhere | Yes | Yes | Yes | Yes |
| Stolen Equipment Insurance | Yes – $1,000 | Optional – add $95 for $10,000 of coverage | $2,000 | N/A |
| Identity Protection Plan | Yes – $25,000 | N/A | Yes – $15,000 | N/A |
| Professional Website | Yes – Absolutely free website | Yes – Absolutely free website | N/A | Yes |
| Occurrence Form Coverage | General, Professional and Product Liability | General, Professional and Product Liability | No | No |
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.
Student Rate
Still in school? For just $25 per year, you will receive all of the Professional program benefits for 12 full months—including $2 million of professional liability insurance.
These rates are only applicable to the discipline you are in school for on the day your coverage begins.
*Students must have an effecitive policy date prior to their graduation date.
Or call 1-800-941-3583 for more information.
