Professional Beauty Insurance Coverage

Beauty insurance is made just for cosmetologists, those skilled professionals that have to be skilled and mindful of so many different beauty techniques in order to produce the perfect look for their clients. There are unfortunately many different forms of liability present for professionals working in the beauty industry. In beauty school, students are drilled and tested about sanitizing equipment and spotting health issues so they don’t exacerbate a condition, but sometimes there are events that are simply outside the realm of control. Even when you are super careful to clean and sterilize your equipment, you know every beauty treatment in the book, and take excruciating care with every detail of your work with a client, all it takes is one, simple accident to cost thousands. Without cosmetology insurance, these costs could be entirely out of pocket.

Cosmetology liability insurance is offered at a flat annual rate of just $159. Or to lock in an even lower annual rate of $139 per year, you can purchase a two-year plan for $279.95. With either plan you choose, you get stout coverage limits for a multitude of different beauty services so that you can choose the very best combination of services that’s right for the client. Also, the more services you can offer, the greater marketability you will have either as an employee within a salon, a freelance beauty pro, a mobile salon owner, or as a renter of booth space in a mall. With this insurance program you can also move wherever your career needs to go to offer cosmetology services and still be covered so long as you’re still operating somewhere in the U.S. Beauty Insurance Plus also offers part-time and monthly payment plans. Our part-time policy is $135/yr 15hrs or less.

Insurance is a way that you can help decrease, or mitigate, the amount of risk you’ll face. This risk translates into the likelihood that a claim event will occur at some point in a career. Our top-rated beautician insurance program covers the costs of claims that relate to general and professional liability, as well as other areas like product liability, advertising liability, and more. Without insurance, you’ll face the same risks, you just won’t have anyone backing you up when a claim lands in your lap. 

Areas, where a client or someone else (third party) may say you are liable, could be an instance where they slipped and fell (general liability), your services left them injured or damaged their property (professional liability), or a beauty service you provided induced a bad allergic reaction (product liability). However, the many, many different ways that an unforeseen event can crop up, the effects are the same. Without insurance, you’ll pay the costs, which can be substantial, out of your own pocket. Conversely, for $159 for a whole year, you can have the complete confidence that comes with complete beauty liability insurance for the beauty services you provide.

The different state boards that govern the licensing requirements for each state’s cosmetologists will set their own guidelines for everything that’s needed when it comes to your cosmetologist license. States can vary significantly in how much education they’ll require, what kind of test they’ll accept, and even renewal periods - some states are annual some biennial, and some even triennial. All that to say, always check with your state board for the most up-to-date requirements. While not every state requires insurance in order to get licensed, practicing cosmetology without beauty insurance is like driving for a ride-hailing service without car insurance. At some point, chances are that an unforeseen event will present you with a financial loss. Protecting your finances and your career long-term, beauty insurance is an economical shield behind which you can confidently provide great service to your clients, grow your base, and ultimately be successful in the beauty business. 

Beauty Insurance Plus liability insurance covers a wide range of services within the beauty and wellness industries. From estheticians, to cosmetologists, microblading professionals, and nail technicians, we provide the coverage professionals need in order to be confident in providing great service to clients. Your focus should be entirely on creating a great look in your client, while also being consummate in your methods for applying just the right technique, not on whether or not an event might come someday with costs that are simply too much for you to bear alone. 

Even skilled professionals with many years of experience can ultimately be faced one day with an event that was simply outside of their control. Maybe a piece of equipment isn’t quite 100% sanitized and that leads to an infection or an elderly client you’ve serviced for years trips and falls on their way to your chair and suddenly decides to file a lawsuit against you for all their expenses. Liability insurance from Beauty Insurance Plus provides an expert team of claims professionals to immediately go to work covering the costs of the claim and any legal defense fees, if necessary. 

Beyond general and professional liability insurance, our liability insurance for beauty professionals also includes product liability, personal and advertising injury coverage and even an identity protection plan. 

At $279 for a two-year term, this professional program is by far the cheapest annual option available for top-notch beauty insurance coverage at just $139 per year. With a check out process that only takes minutes, you can have full insurance coverage with an immediate certificate of insurance (comes in handy more times than you know!) for one low, annual rate. We have several different plan options available so you can choose the best combination that works for your situation as a beauty pro. No matter which plan you choose, you’ll have peace of mind knowing you’ve got great coverage, at a great rate.

Right in our name we want to showcase our deep and longstanding commitment to professionals working within the beauty industry. To this, we believe insurance should exemplify what insurance was actually made for. A usable, accessible, and easy-to-understand policy that helps when you need it without making you jump through a bunch of hoops. We’ve put a lot of work into making the application super seamless so you can get in, get covered, and get on with the million other things besides insurance you’ve got on your plate today.

This insurance program particularly stands out in our approach to anticipating the needs of our members and covering accordingly. Over the years, we’ve also had the occasion to develop some pretty cool partnerships with top names in beauty. These partnerships give our members sweet perks like exclusive deals and early access to products, events, and more. Great coverage, great benefits, and having great people here to support you is how we’ve distinguished our insurance program over the years. 

Esthetician insurance needs to be created by people that understand the unique aspects of this skincare and beauty profession. We know some estheticians lean towards medical-grade treatments and others employ their skills in a relaxed, spa-like environment. You may be on your own, offering in-home treatments or you can be renting booth space in a salon. The many different career paths of an esthetician depend on your market, your skills, and overall, what services you want to provide. 

Absolutely! Students still in training to become cosmetologists, makeup artists, barbers, estheticians, and others in beauty will face a lot of similar liabilities as professionals. We offer an economical solution for students in a beauty school with our one-year students plan for just $25. This plan comes with all of the same high coverage limits and protections available in our professional plan at this incredible rate just for students. Take advantage of this program and sign up as you near graduating from beauty school. That way, you get almost all of your first year in a new field covered for only $25. 

As a service to our members and hopefully members-to-be, we produce curated content by beauty pros for beauty pros. Topics we find interesting enough to write about include cutting edge business e-tools out there, marketing insights for the beauty business, building a social media following, how to add to a client base, and more. Lucky you,  our free ebook The Roadmap for a Successful Beauty Business is now available.