The Beauty Insurance Guide
Explore our insurance guide and find answers to all of your questions regarding beauty liability insurance—whether you are looking for more information on our coverage or trying to nail down insurance terms. For more information or to enroll in our program, call (800) 941-3583. We look forward to supporting you in any way we can.
Frequently Asked Questions
- Acquiring Information. We only gather client information that is either required by law or otherwise needed to provide top service to our clients.
- Your Privacy and Beauty Insurance Plus Employees. Our employees recognize the importance of your privacy. Only select employees who require your information to perform their jobs effectively will have access to your client information.
- Security Standards. Beauty Insurance Plus’ access to sensitive information is consistent with legal requirements, protected by the appropriate technological safeguards, and used for the demands of customer service.
- Third-Party Disclosure. We provide individually-identifiable information about consumers to third parties only if ordered to do so by a legal authority, if consent of the consumer has been expressly given, or if it is needed to provide customer service.
Can I cancel my policy and get a refund?
No. When you enroll with Beauty Insurance Plus, you immediately enter the system and a certificate is instantly emailed to you, so our policy is nonrefundable.
If I lose my confirmation of coverage, what do I do?
Just contact us and we will mail you a new copy. Your confirmation of coverage is evidence that you have liability insurance coverage. We strongly suggest that you keep your confirmation of coverage in a secure location.
I have stopped practicing. Am I still covered?
If your policy was in effect at the time of an incident, you will be covered by our policy. All professional or product liability claims must be reported within two years after your policy expires.
What action do I take if I have a claim?
Call Beauty Insurance Plus at 8009640158 and report the event as soon as you possibly can. We will immediately send you a claim form to fill out.
Are certain practices or cases not covered by my Beauty Insurance Plus policy?
A Beauty Insurance Plus policy will not cover invasive practices, such as acupuncture, nor will it cover colonic educators. Herbal counseling and use of T-bars are also not covered. The policy will not provide coverage for charges of sexual harassment or transmission of an STD/HIV.
Is it possible to have my policy under my business's name?
Your policy must be listed under your name as the individual practitioner. However, if you are a sole proprietor, your business name will still be covered. If you operate as a corporation or partnership, you may also list your business as an additional insured.
Will a Beauty Insurance Plus policy include coverage for spouse or employees?
Unfortunately, no. Beauty Insurance Plus provides insurance for the individual practitioner and may not be extended to spouses or employees.
Where am I covered?
Your Beauty Insurance Plus insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.
Glossary of Insurance Terms
A person or entity added to the certificate of insurance who is protected from the named insured’s negligence; this is typically an employer or landlord.
The maximum amount of coverage available to a policyholder during the policy term; this limit is dependent on a period of time rather than an individual claim.
An independent insurance firm or contractor who searches the marketplace in the interest of buyers, rather than insurance companies.
A form of insurance that only covers policyholders for claims filed while the policy is active; if an incident occurs during the policy term but is not reported until after the policy expires, it will not be covered.
The amount of money (loss) that a policyholder has to pay before their insurance takes effect.
General Liability Insurance
Insurance that protects the policyholder in the event that a client trips, falls and suffers an injury while on their property; this coverage applies to claims resulting from personal injury, bodily injury or damage to others’ property, and is often called “trip and fall” insurance.
Identity Theft Protection
Coverage that reimburses the insured for expenses arising from identity fraud.
Individual Aggregate Limit
The total amount of coverage available to an individual policyholder during the policy year; this limit only applies to one person and is not impacted by claims filed against others.
A policy form that covers the insured for any claims filed during or after the policy term, as long as the actual incident in question occurred while the policy was active.
Product Liability Insurance
Insurance that protects the policyholder in the event that a product used during a client session injures or affects the client in a negative way.
Professional Liability Insurance
Insurance that provides protection against lawsuits claiming negligence, misconduct or incompetence on the policyholder’s behalf; also called malpractice insurance.
Shared Aggregate Limit
The maximum amount of coverage available to all individuals insured under the same shared-limit program or master policy; this amount decreases every time a claim is paid on behalf of an individual policyholder.
An incident that triggers coverage for an insured individual.
Rental Damage Insurance
Coverage that protects the insured from accidental damages to property rented by the insured; this applies to any space that a professional rents or leases for their practice, from the dry wall in.
Stolen Equipment Insurance
Coverage designed to protect the policyholder from equipment theft or damage due to fire, water, etc.; covers the cost of replacing the stolen or damaged piece of equipment used in one’s business, but does not cover damages due to wear and tear or misuse.
The insurer, or financial service provider, who evaluates the risks of insuring an individual or asset, determines the policy rates and sets the limits of coverage.