Beauty Insurance Plus FAQs
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
What Action Do I Take If I Have A Claim?
Call Beauty Insurance Plus at 1 (800) 964-0158 and report the event as soon as you possibly can. We will immediately send you a claim form to fill out.
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 If I want to purchase now but start my policy at a later date?
Yes, you can buy your policy at any time then select your start date up to any day 90 days in the future. For instance, if you bought your policy with us on October 3rd and don’t want your coverage to begin (for any reason) until December 11th, simply tap/click December 11th as your start date at checkout.
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.
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.
No. When you enroll with Beauty Insurance Plus, you immediately enter the system and a certificate is instatnly emailed to you, so our policy is non-refundable.
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.
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.
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.
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.
Unfortunately, no. Beauty Insurance Plus provides insurance for the individual practitioner and may not be extended to spouses or employees.
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.
Yes! We are happy to announce we have the most comprehensive microblading coverage at the lowest cost click here to learn more.
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.
Affordable Prices. Unmatched Coverage.
Instant access to your insurance certificate, hundreds of dollars in exclusive member benefits, and additional coverages at no additional cost.
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.
One Year
$169
Per Year
Protect your career & Receive the peace of mind that you deserve with the #1 rated liability insurance in the industry.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
Glossary of Insurance Terms
A
Additional Insured
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. Learn More.
Aggregate Limit
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.
A-Rated
When an insurance company has an A- or "excellent" rating from a trusted agency, it means they're financially solid and dependable. This is a specific rating that shows the insurance company’s ability to handle its commitments to their clients and provide those clients with highly reliable coverage they can count on.
B
Beauty Student Insurance Membership
This refers to our student insurance membership that includes our full benefits package and coverage limits to current cosmetology students at a rate of only $49 a year.
Broker
An independent insurance firm or contractor who searches the marketplace in the interest of buyers, rather than insurance companies.
Brokerage
An insurance brokerage is a firm that helps to ‘broker’’ purchasing insurance policies through working with multiple providers in order to offer a variety of coverage options.
Business Owner’s Policy (BOP)
This style of policy combines an insureds/policy holder’s essential coverages such as general liability, property, and business interruption insurance. The application of this coverage is most geared towards salon/spa/shop owners and/or those who own/rent a property in which they and/or their employees/renters practice their services.
C
Certificate of Insurance (COI)
A certificate of insurance is a document that proves you as an insured have secured specific insurance coverage and limits.
Claim
A formal request to an insurance company asking for a payment based on the terms of the insurance policy. An insurance claim is a formal request to your provider that cover costs and/or damages for incidents that are protected under your policy with your provider. Examples of this are client injuries on-site or identity theft.
Claims-Made
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. Learn More
Coverage/Policy Limits
Your coverage limits are the highest amount that your insurance provider will pay for a claim - offering essential financial protection for your services and business.
D
Deductible
The amount of money (loss) that a policyholder has to pay before their insurance takes effect.
E
Endorsement
This is a written change to your insurance policy that adjusts its coverage, terms, or conditions that may better suit your specific business needs.
Errors & Omissions
This a type of professional liability insurance which protects you from claims of inadequate work, mistakes, or negligence by clients and helps ensure your financial security and peace of mind.
Exclusion
This is an exception that removes coverage(s) for certain specific risks, services, people, and/or locations.
F
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At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
G
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.
Given Claim
Is a claim which has already been filed by the policyholder/insured and is in-process of being assessed by the insurer/insurance provider to determine if the claim meets all the conditions for payout under the policy the insured purchased.
H
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I
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.
Instant Coverage
This refers to how quickly an insurer’s insurance policy becomes active after purchasing, providing immediate protection without any waiting period.
Insurance Marketplace
An online platform/environment in which buyers/potential insureds can both compare and purchase various insurance policies directly from multiple providers. This aids in making it easier to find and choose the best coverage options.
J
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K
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L
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M
Master Policy
This is a significant document that outlines all of the intricate and general details of the providers’ insurance coverage(s) for multiple individuals and/or businesses, with each covered party (aka an Insured/Policy Holder) being defined as a ‘Certificate Holder’ who is held to the coverage details under this purchased policy.
Member Benefits
This refers to the protections and perks your policy/membership offers, such as liability coverage, mobile protection, and identity theft safeguards that help to ensure your both your career and business are secure.
Mobile Coverage
This type of coverage protects insureds/policyholders working outside of a specific listed location(s), such as in clients' homes and/or on-site at events. Elite Beauty Society’s mobile coverage highlight also extends coverage to all 50 states.
N
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O
Occurrence Form Policy
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. Learn More
One Year Beauty Pro Insurance Membership
This refers to our most popular insurance membership that includes our full benefits package and coverage limits to cosmetology and allied health professionals at a rate of $179 a year.
Out Of Pocket Expenses
These are costs that the insured/policyholder may have to pay directly. Examples of these are deductibles, co-pays, and/or amounts exceeding policy limits (which are not covered by the purchased policy).
P
Part-Time Beauty Pro Membership
This refers to our insurance membership that includes our full benefits package and coverage limits to cosmetology and allied health professionals who work less than 15 hours a week at a rate of $149 a year.
Personal and Advertising Injury
A specific bracket of common risks an insured/policyholder can face in-field that can range from defamation to false accusations to intellectual property violations, which could directly impact a their professional standing.
Policy
A policy is an agreement between you as the insured individual and the insurer/insurance provider which specifies the claims the insurance company is required to pay and outlines your coverage, as well as any exclusions.
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.
Q
Qualifying Event
An incident that triggers coverage for an insured individual.
R
Rate
This refers directly to the amount that is charged for coverage, which can sometimes be determined by factors like risk level, coverage limits, and/or the insured's details.
S
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.
T
Term
This refers to the length of time your insurance policy is active/provides coverage, which can range from a specified time period or a semi-standard 1-2 year bracket, during which the insured(s) is protected under the agreed-upon conditions.
Two-Year Beauty Pro Insurance Membership
This refers to our insurance membership that includes our full benefits package and coverage limits to cosmetology and allied health professionals at a rate of $299 for a two year term of protection ($149 a year).
U
Underwriter
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.
V
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W
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X
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Y
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Z
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