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Liability Insurance for
The Professional Cosmetologist

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?

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 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.​

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 Coverage

One policy covers more than 350 beauty and wellness services.

$149 / yr

Or call 1-800-941-3583 for more information.

Common Circumstances That Need Coverage

  • Slip and Fall
  • Cuts
  • Chemical Damage
  • Burned or Damaged Hair
  • Unsanitary Instruments
  • Stolen Equipment
  • Rental Damage

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.

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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
  • Chemical Peel (no lasers)
  • Cold Light Series 6 Facials
  • Cosmetic Massage
  • Eyebrow Shaping
  • Eyebrow tinting
  • Eyelash Extensions
  • Facials
  • Hair Removal (no lasers)
  • Make-up (not permanent)
  • Skin Peels
  • Ultra Sonic Facial
  • Ultra Sound Facial
  • Vitamin C Peel
  • Waxing

Or call 1-800-941-3583 for more information.

Comparison Grid for Beauty Insurance

Benefit Beauty Insurance Plus Associated Hair Professionals Salon Spa Professional Trade Association
NAMT/former IMA
 Health and Beauty Association
Annual Membership Fee $159 – No Association Fees $199 $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.

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