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Beauty Insurance Plus

Beauty Insurance Plus - Professional Liability Insurance

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Esthetician Insurance

Esthetician Liability Insurance

Elevate your professional journey with the comprehensive protection and peace of mind that Beauty Insurance Plus provides for estheticians like you. Our specialized esthetician insurance is tailored to safeguard your career, allowing you to focus on what you do best – making your clients look and feel their best.

  • Instant Coverage, Immediate Certificate
  • 500+ Services Included
  • 5-Star Rated Customer Reviews
  • Occurrence Form Coverage; Industry's Preferred Choice
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Quick Navigation

  • Insurance Cost
  • Why Do I Need Insurance?
  • Coverage & Member Benefits
  • Skin Care Services That We Cover
  • Customer Testimonials
  • Compare Insurance Companies

How Much Does Esthetician Liability Insurance Cost?

To make our esthetician liability insurance as accessible as possible we have several options available:

Two Year

$299

Per 2 Years

Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.

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One Year

$169

Per Year

our first year introductory rate. take advantage of everything we have to offer.

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Student

$49

First Year

Protect yourself in Esthetician school & after. Buy a policy before graduation for a full year of discounted coverage.

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Esthetician Insurance Coverage & Benefits:

Policy Limits:

  • Professional & General Liability Insurance: $2 Million per occurrence; $3 Million annual aggregate
  • Personal & Advertising Injury: $2 Million
  • Identity Protection Plan: $25,000
  • Occurrence Form Policy; Industry's Preferred Choice

Member Benefits:

  • 50% off a 2 month subscription to GlossGenius Gold (booking software)
  • 10% off your subscription to BTCUniversity
  • Exclusive health insurance-related benefits like ACA-qualified health insurance, short-term health insurance, and telehealth plans
  • Complimentary month to Betterhelp

Flexible Plans

As an independent skincare professional, your liability insurance should fit your career stage, coverage needs, and budget. While other companies squeeze every penny they can from their policyholders, we keep our prices transparent and affordable. Before you complete your application, you'll know precisely what you'll pay for your coverage. And that's the way it should be. 

We recognize every worker in the beauty industry needs a liability insurance plan that fits them perfectly from every angle. That's why we offer flexible payment options on multiple plans to accommodate the specific needs of our members. Every BIP plan provides the same level of coverage, incredible benefits, and customer support while being tailored to match your budget and career. In other words, we don't sacrifice your coverage on any play you choose. 

With multiple plans to choose from, you have the flexibility to procure that perfect plan. Whether you're a seasoned veteran looking for a long-term policy, like our two-year plan, or are still studying to become a rising star in skin care, we have a plan that fits just right. 

Portable Coverage

Life as a skincare professional can be unpredictable sometimes. That's why portable coverage is so critical for an esthetician's lifestyle. Portable coverage means your protection carries over from state to state, so you don't have to worry about purchasing a new policy every time you move. 

Whether working in a salon, providing mobile services, or renting a temporary workspace, portable coverage offers flexibility and freedom to go wherever the wind takes you. You may frequently travel across state lines for freelance beauty professionals to meet with your clients. With portable coverage from Beauty Insurance Plus, you can have confidence in your protection anywhere. 

An esthetician's work life often involves travel to accommodate clients' needs and locations. While this presents a great business opportunity, all that roaming about could expose skin care professionals to a myriad of additional risks and liabilities. For beauty workers who often hear the call of the open road, portable coverage is an absolute must-have in your carry-on. 

Occurrence Form Coverage

We vow only to provide the best coverage possible for our members. That's why our beauty insurance policies exclusively provide occurrence form coverage. With this type of protection, members will enjoy the flexibility and freedom that comes with lifelong protection. 

Occurrence form insurance protects policyholders from incidents during the policy term, even if the claim is filed past the policy's expiration. Unlike claims-made insurance, in which the incident must occur, AND the claim must be filed during the policy term, occurrence form coverage protects you even if a claim is filed years after the policy expires. 

As a BIP member, you don't have to worry about other parties filing a claim on time. We take the stress and worry out of your insurance coverage.

Compare Esthetician Insurance Companies

  Associated Hair Professionals Next Beauty Insurance Beauty Insurance Plus Hands on Trade Association Beauty & Bodywork Insurance
Professional & General Liability Included?
Personal and Advertising Injury Included?
Identity Protection Coverage Included? $$$Add'tl Cost
Health, Dental & Vision Coverage Access Included?
Includes Member Benefits?
Coverage in 50 States?
Monthly Payment Options?
Price $199 At a Quote $169 $175 $96

Being confident in your coverage is essential when shopping for esthetician liability insurance. Of course, every beauty professional is unique and has specialized expertise, so protecting yourself from every possible liability is an absolute must. 

Determining if your coverage adequately covers your needs demands a thorough understanding of both your insurance provider and your profession. As a skincare professional, you play a critical role in your clients' lives. Whether you work with your clients to promote healthy skin, provide waxing services, offer facials, or all of the above, ensuring your policy covers your specific services is essential. Understanding your esthetician liability insurance is just what services are covered, however. You need to know if your policy provides a full-bodied coverage limit to provide thorough protection from a liability lawsuit. 

To measure if your current policy is sufficient for your needs, ask yourself the following questions: 

  • Is the coverage limit enough for your needs? 
  • Does my esthetician liability insurance policy cover my services? 
  • Are there any exclusions to my policy that I need to be covered? 
  • Are there any gaps in my coverage that could leave me vulnerable to a liability lawsuit?

You can find your answer by evaluating your specific coverage limit demands and services. Beauty Insurance Plus is a policy for you if your coverage falls short of what you need. Get esthetician liability insurance to protect what you love today.

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Why Do I Need Esthetician Insurance?

Having esthetician insurance is a proactive and responsible step to protect yourself, your clients, and your business from unforeseen events that could otherwise have significant financial and legal consequences. Get the peace of mind that you deserve and protect your career with esthetician insurance.

Common Circumstances That Need Coverage

  • Allergic Reaction
  • Skin Irritations
  • Unsanitary Treatments
  • Abrasions/scrapes

Did You Know?

Waxing is one of the most common causes for injury claims, affecting even the most skilled professionals. Paying more than $60,000 for a lawsuit can hurt your career if you are not prepared.


Your work is about health, spirit, and trust. We want to make sure that when accidents happen, it doesn’t diminish all you have worked for.

Lawsuit? Yes, it’s possible.

When you're an esthetician and deal with the public, lawsuits can happen. From facials to waxing, esthetician's offer multiple services to support their clients. As a beauty professional, if you get sued, you will need your own lawyer right away. That’s a minimum cost of $2,000 or more. If the lawsuit proceeds, legal fees can run you $20,000 or more. If you lose, the award can put you $100,000 or more in debt. 

With Beauty Insurance Plus you are covered at an affordable rate. Whether you are working in your own spa, rented space, or work as an employee, Beauty Insurance Plus has you, and your career covered.

Why Choose Beauty Insurance Plus?

In the ever-growing insurance space, there is no shortage of options for beauty liability insurance. So, with so many different companies out there, why is BIP the best? The answer may be simpler than you think: We put people above our profits. That's the secret ingredient. 

We focus on our members and aim to provide the best coverage, the most beneficial member perks, and the simplest application process to make our insurance plans accessible to every skincare and beauty professional. 

Because our primary focus is on our members, our policies, benefits, and outstanding service blossom from there. 

Plus, it doesn't hurt to place our money where our mouth is when providing reliable coverage. As a proud member of the Arthur J Gallagher & Co. family, you have the complete backing of our outstanding parent company. With one of the best names in the industry at our side, our members can have total confidence in the reliability of their esthetician insurance. 

So, here are all the reasons to choose Beauty Insurance Plus as your esthetician liability insurance provider:

  • Abundant coverage limits 
  • Coverage for hundreds of modalities and services included from day one
  • Multifaceted liability protection
  • Unparalleled member benefits 
  • Impeccable customer service 
  • Flexible payment options 
  • Transparent pricing and affordable rates 
  • More coverage for less cost

When you choose Beauty Insurance Plus for your esthetician insurance, you enjoy the total confidence that comes with total protection.

The #1 Choice for Estheticians Liability Insurance

Beauty Insurance Plus has protected over 200,000 professionals nationwide. Your success deserves the best protection. Read our reviews and let the positive experiences of your peers guide you to the ultimate choice in professional insurance.


I've been with Beauty Insurance Plus for going on 4 years, they are super affordable and offer great coverage. Their sign up and renew processes are so easy and simple. They even allow me to renew for two years at a time which I love! One less thing to think of! 10/10 recommend.

Julia Skawrlo // Cosmetologist

I used this insurance when I decided to go solo esthetician and it was the best decision, you get all the support from them, customer service are easy to reach out.

Kawtar Mezouaq // Esthetician

I am going on 30 years of being a hairdresser and never once had a problem with a clam. I have paid so much money through the years I hate to even add it up! This is truly a huge savings and I thank Beauty Inc Plus so much for helping me save where I can! I only work part time and couldn't afford it if it wasn't for them! Its truly a life saver!!

Lisa England // Hairstylist

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What Services Does Esthetician Insurance Cover?

Beauty Insurance Plus offers coverage for more than 500+ beauty and wellness services. These coverage range from general + some advanced esthetic services to massage therapist services. 

Skin Care

Non-Medical Skin Care

Acne treatments
Balneotherapy
Body scrub
Body Sculpting / Body Contouring
Chemical peel (no lasers)
Cold Light Series 6 Facials
Color consultations
Cosmetic massage
Cyrotherapy
Dermaplaning
Endermologie
Esthetics
Eyebrow shaping
Eyebrow tinting
Eyebrow threading
Eyelash Extensions
Eyebrow Lamintation
Eyelash Lift
Eyelash Tinting
Facials
Facial Massage
Fibroblasting
Hair removal (no lasers)
Herbal wraps
Henna
Hydrafacials
Hyrdodermabrasion
Instruction
LED Light Therapy
Make-up (not permanent)
Manicures
Micro-current Toning
Micro-needling
Microblading*
Micro-channeling
Microshading
Micro-dermabrasion
Ombre Brows
Oxygen Infusion Facial
Pedicures
Plasma Pen
Plasma Lift
Red Light Therapy
Saline Microblading Removal
Salt scrubs
Skin peels
Spray tanning
Sunless tanning
Ultra sonic facial
Ultra sound facials
Vitamin C peels
Waxing

Hair Styling

Blow Outs
Chemical wave
Children's Services
Conditioning Treatments
Custom wrap
Design, cut and style
Design, cut and color
Fade Cut
Fade Designs
Flash or Balayage highlights
Hair bleaching
Hair braiding
Hair coloring
Hair treatments
Hair shaping
Hair Extensions
Highlights
Men's Grooming
Permanent hairstyle
Razor Cuts
Razor Shaves
Shampooing
Straightening
Thermal styling
Waves
Weave
Wet styling
Wig stylist

Nail Technicians

Acrylic
Airbrush designs
Charms
False nails
Foot scrubs
Gel
Gems

Glitter
Instruction
Manicures
Nail art
Nail extensions
Nail repair
Painting

Paraffin pedicures
Pedicures
Polish
Stencil designs
Varnish
Youth Nails

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.

See All 500+ Services Covered

Beauty Insurance Plus: Your Peace of Mind

Benefits that Go Beyond Basic

While protecting yourself from a liability lawsuit is the meat and potatoes of esthetician insurance, the extra benefits are the dessert. The benefits beyond liability coverage make liability insurance all the more sweet. 

At BIP, we've built our perks package around the needs and wants of our policyholders. The way we see it, the benefits should be more than just an afterthought but a primary aspect of a full body of coverage. So, we carefully curated our member bonuses to enrich our members’ lives, elevate their professional expertise, and equip them with the tools and services they need to thrive in their business.

We prioritize doing right by our members to bring them benefits beyond the basic bonuses other companies offer. As a member, here's what you can expect from your esthetician liability insurance benefits package:

  • Exclusive discounts on beauty products and services 
  • Access to affordable health, vision, & dental plans
  • A free, professionally developed to promote your business and advertise your services
  • Deep discounts on booking software and business services
  • Access to occupation-specific service discounts
  • A free ebook on establishing your salon suite
  • So much more!

It's okay if you feel a little spoiled by our benefits package. We don't mind indulging our members with the best perks and bonuses possible. 

As a Beauty Insurance Plus member, you will be able to take advantage of the most inclusive liability insurance program at one of the lowest costs in the industry. 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. Because of this, we will provide you with:

Excellent customer service with live agents available Mon - Thur: 8am - 8pm EST & Friday:  9am - 8pm EST

Instant coverage and proof of insurance at checkout

Occurrence form Coverage, the industry’s preferred choice

Member benefits like an identity protection plan, access to discounted ACA- related health insurance, and exclusive product discounts.

Coverage for more than 500+ beauty and wellness services.

Access to over $750+ in member benefits and discounts, including GlossGenius, BTCUniversity, and more.

Estheticians State Requirements

To become a licensed or certified cosmetologist, one thing is clear: you need to receive an education in cosmetology. However, the type of education you need to receive may differ depending on your current state of residence. While most states will require you to attend an approved beauty school, others will allow you to complete an apprenticeship instead.

In addition to training requirements, you also need to be aware of state specific guidelines on continuing education units (CEUs), license renewal periods and fees, license reciprocity or transfer, etc. Click the link below to find see your state’s requirements.

State Requirements

Professional Esthetician Resource Hub

Your go-to resources for all things esthetician from learning how to start an esthetician business to finding ways to improve your business, we've got it all.

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The Esthetician’s Guide to Milia: What Every Beauty Pro Should Know

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Advance Your Career: The Most Popular Extra Certifications for Estheticians

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Do You Have to Be Licensed to Do Nails? Licensing Requirements Explained

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Esthetician Insurance FAQs

What kind of insurance do estheticians need?

Esthetician insurance needs to provide adequate coverage for professionals so should have provisions for the major areas that can present liabilities. Mainly, this is general and professional liability. 

General liability is called slip and fall because it can cover injuries like a simple slip and fall in your lobby that results in a suit. This important coverage provides up to $2 million for each third party claim for injuries. 

Professional liability is called malpractice which literally means “bad work”. Coverage covers any claims for injuries or damages that come from actually providing your service to clients. An example here would be a client stating your microblading session left them injured and they had to seek medical attention and missed work. They file a suit against you for the full amount of their medical costs and their lost wages. Our program includes up to $2 million per occurrence for claims related to professional liability.

In addition, coverage made for the real world should include at least some provision for things like: 

  • Identity Protection Plan
  • Personal & Advertising Coverage

How much does esthetician insurance cost?

To make our esthetician liability insurance as accessible as possible we have several options available:

  • Beauty Insurance Plus for Professionals: $169 per year
  • Two Years of Beauty Insurance Plus for Professionals: $299 ($149 per year)
  • Beauty Insurance Plus for Students: $49
  • Benefits-Only Plan (no insurance): $39
  • Beauty Insurance Plus also offers part-time and monthly payment plans. Our part-time policy is $149/yr 15hrs or less.

What’s the difference between general liability and professional liability insurance?

These two liability coverages should be an absolute necessity for any esthetician insurance program out there and generous coverage limits should be included for both since these types of claims are most common for professionals working in the beauty industry. Breaking these coverages down, we see:

  • General liability: coverage for what’s deemed “slip and fall” insurance, as these are the types of accidents and injuries which occur in or around where you offer your services. As simple as it sounds, a client that slips on the way to your booth and injures themselves could result in a claim with total costs running into the hundreds of thousands of dollars. 
  • Professional liability: this important coverage covers those claims related to claims of “malpractice”. While malpractice may conjure images of shady doctors, bad practice can occur to even the most practiced esthetician, being extremely careful in their work. All it takes is one tiny little slip of your hand during a treatment, failing to notice the signs of an underlying condition, or simply a disgruntled client asserting that your services left them injured or their property damaged in some fashion and firing off a lawsuit.

With BIP, you get $2 million for each occurrence for claims related to general and professional liability. This stout limit help cover the costs of the claim, as well as any legal defense fees, if they became necessary. 

When will my insurance go into effect?

After you fill out a quick and easy application online, you will progress to the payment portal where you can decide what payment plan works for you. As soon as you check out, you will have immediate insurance coverage. You’ll also be able to log into your membership portal and can see policy documents, pull coverage certificates when they’re needed, and service all of your account in one, easy-to-access location. 

Do I really need esthetician insurance if I only rent a salon booth?

Definitely. When you rent booth space as an esthetician, you are typically doing so as a 1099 contractor. Setting your own hours and managing your clients is a great freedom but this also means you retain most of the liability for providing your services. The best safeguard for your career is purchasing esthetician liability insurance. 

Insurance provides a safety net when an unfortunate mishap leads to a claim against you.

Where can I see a comparison of different esthetician insurance providers?

Check out the comparison grid above to see how our program stacks up to other leading competitors. We offer this side by side right on our website because we are confident our program provides the best coverage options with the most affordable rates.

Does Beauty Insurance Plus's policy cover me in all 50 states?

With Beauty Insurance Plus, not a thing. We include full-portability with our professional esthetician insurance policies. This means no matter if you change jobs or move to a new state, your coverage follows you wherever you provide services within the 50 U.S. states.

What kind of member benefits come with BIP's insurance coverage?

We want to make our esthetician insurance program as great a value as possible so include hundreds of dollars worth of member benefits. Benefits include:

  • Identity Protection Plan
  • Free Professionally-Designed Website
  • Discounts and Deals on Beauty Products
  • Free Business Resources
  • Coverage for More than 500 Different Beauty and Wellness Modalities

Is there a difference between esthetician and aesthetician insurance?

None at all. Aesthetician is a common misspelling for esthetician. Don’t worry, you’re not the first one to make that mistake.

Where do I find online reviews for different insurance providers?

Check our TrustPilot profile to see reviews online. We are proud members rate our services as “Excellent” with 4.5 / 5.0 stars. You can also find reviews for us on Google!

Why would an esthetician need personal liability coverage?

Personal liability coverage extends to claims from an allergic reaction a client has to a product you use during the session. If you’re doing a chemical peel and the client has a severe reaction, goes into anaphylactic shock, has to be transported by an ambulance, hospitalized, and misses a week of work, the costs associated with everything would quickly mount. That’s why personal liability is vital and our esthetician insurance plan provides up to $2 million per occurrence to cover related claims.

How do I find the best esthetician insurance program to fit my needs?

The best esthetician insurance should provide suitable coverage limits, an easy way to sign up/service your account, and do so at a competitive rate. 

  1. Suitable Coverage Limits: setting limits can be tricky. Too high and you will be paying for more than you will ever need. Too low and it may not be adequate for covering claims. Suitable coverage means it is specifically designed for the industry. Our unique perspective here means you get smartly-set coverage limits that offer a robust limit that’s never more than you need.
  2. Easy to Sign Up / Service Your Account: what good is an insurance program that takes a long time to get covered or is hard to use when you need it? Our process is really simple and only takes a few minutes to enjoy complete coverage. On top of that we have knowledgeable agents available 5 days a week whenever you need help.
  3. Competitive Rate: we always encourage our members to check out how our program stacks up against our leading competitors. In a side by side comparison, our program provides the best combination of protection and affordability.

What services can I provide under my estheticians insurance policy?

Some estheticians insurance plans out there only cover a few services and then want to charge a premium for other popular services you might be able to provide. We wanted to keep our policy simple so we provide coverage for more than 500+ different beauty and wellness modalities. Added bonus - we are continually adding new services to the list. Chances are good your chosen service is covered but if not contact our knowledgeable agents about whether it might be added.

Where can I see what requirements my state has for an esthetician license?

Every state is a little different but the best resource and an entity you should become very familiar with is your state board. Your state board helps your state regulate the esthetician industry within its borders. Most state boards’ websites have pretty good information on everyday needs like license issuance, renewals and transfers. If you are ever unsure about something, the best course is to call and speak with a live person. We’ve even compiled the esthetician license requirements from every state just to make starting your new career that much easier.

Why is occurrence form coverage the preferred choice for estheticians?

Occurrence form and claims made are the main policy forms out there. Occurrence form coverage says whenever you file a claim, as long as the claim event occurs while your policy is active, you are covered. This is especially important when your policy expires and you still need to file a claim for a past event that occurred while the policy was active. With claims made, if your policy is expired, you have no coverage. We believe our members should enjoy the best coverage options available and ones that make sense for the beauty and wellness industry so only offer occurrence form policies.

Can I get esthetician insurance while I’m still in beauty school?

Absolutely. Training to be an esthetician can be a tough process and even in school you can face liabilities for the hands on practice work you will be conducting. The incredible value of full professional coverage at just $49 a year provides students with great protection through their schooling. As well, many students find it beneficial to wait until they are nearing graduation to secure student insurance coverage. That way, almost all their first year on the job is covered all at that low student rate. Not sure which path is right for you? Talk over your options with an agent today.

What types of claims does esthetician insurance cover?

Estheticians provide many services which require working on or around a client's head, neck, face, and other sensitive areas. Services require the utmost skill and focus to provide a safe environment and experience. But even skilled estheticians, operating with skill and care can face situations totally outside of their control. Here are some examples of liabilities a professional esthetician might experience at some point in their career: 

  • A client slipping on your welcome mat is an example of a general liability. 
  • A client claiming your waxing session left them with torn skin would fall under professional liability.
  • A client has a terrible allergic reaction to the chemical peel you’re using. This would be a product liability.

Can you purchase esthetician insurance online?

Absolutely! Our esthetician insurance program was designed to be extremely accessible for today’s professionals that are often operating on the go. After filling out a quick online application and checking out, you’ll be granted immediate access to our streamlined membership portal. With ease of navigation built-in, you can have full access to all of your policy documents and account information in one, central location. 

How quickly can I join Beauty Insurance Plus and receive proof of esthetician insurance?

With Beauty Insurance Plus' fast and secure online application, you will receive instant coverage upon checkout and get your proof of esthetician insurance immediately. 

Do you offer monthly or flexible payment plans for esthetician insurance?

Through paypal credit, we are able to offer estheticians flexible payment options to fit the needs of your budget. When you are on our application, all you have to do is select "monthly payments" and Paypal will walk you through the steps. 

How can I add an additional insured to my policy?

We've made the process of adding an additional insured fast and easy. Please just fill out our Additional Insured Request Form to submit your request. After your request is submitted, one of our trained reps will contact you but note that all requests received after 4:00 PM EST will be processed the next business day.

Beauty Insurance Plus

8430 Enterprise Circle, Suite 200
Lakewood Ranch, FL 34202
info@beautyinsuranceplus.com
(800) 941-3583

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202. All Rights Reserved.

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