Light Therapy Specialist Liability Insurance
Protect your Career with A- rated Insurance!
As a light therapy professional, you help clients improve their skin, reduce pain, and boost overall well-being. But even with the best training and equipment, unexpected issues can arise. One claim or lawsuit could put your entire career at risk. That’s why Light Therapy Specialist Liability Insurance is essential, providing you with the protection and peace of mind you need to focus on helping clients safely.
Quick Navigation
Why Do Light Therapy Specialists Need Professional Liability Insurance?
Light therapy treatments, whether for acne, anti-aging, pain relief, or wellness, come with unique risks. Clients may experience unexpected side effects, claim unsatisfactory results, or even suffer an injury during a session. Without liability insurance, you could be personally responsible for expensive legal costs and damages. Liability insurance for light therapy specialists ensures you’re financially protected against claims of negligence, malpractice, or accidents in your practice.
Common Circumstances that Need Coverage
Your clients depend on you to deliver safe, effective treatments. By carrying Light Therapy Specialist Liability Insurance, you not only protect yourself financially but also build credibility with your clients. Showing that you’re insured reassures clients that you take their safety seriously, which can give your practice a professional edge over competitors.
Questions? Check out our full Beauty Insurance Guide
Light Therapy Specialist Liability Insurance
Light Therapy specialists offer specific, high-level services to help support their clients. With Beauty Insurance Plus, the cost of insurance stays the same, regardless of the amount of services you offer.
One Year
$169
Per Year
OUR FIRST YEAR INTRODUCTORY RATE AND TAKE ADVANTAGE OF EVERYTHING WE HAVE TO OFFER.
Two Year
$299 (Save $39!)
Per 2 Years
LOCK-IN A RATE OF $149 PER YEAR, BY PURCHASING OUR TWO-YEAR POLICY, WITH ALL THE SAME BENEFITS.
Or call us at 800-941-3583 to speak to a live insurance representative.
The #1 Choice for Light Therapy Specialist Insurance
Our policy was designed specifically for beauty professionals. Insure your career today with the most affordable and comprehensive coverage available.
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
Light Therapy Specialist Insurance Coverage & Benefits:
Policy Limits:
Member Benefits:
Light Therapy Specialist Liability Insurance: Benefits Explained
Our policies for Light Therapy specialists combine the best in comprehensive coverage options all at an affordable rate so our members can focus on providing a great experience for their clients rather than “what-ifs” an unforeseen event could present.
Here’s an overview of several important elements that make up our comprehensive Light Therapy specialist insurance program:
Beauty Insurance Plus: Your Peace of Mind
Beauty Insurance Plus members receive the most comprehensive liability insurance program at one of the lowest costs in the industry. Because your career is important to you, Beauty Insurance Plus wants to be a solution to claims that may get in the way of the service you provide to your clients. We work hard to provide you with:
Excellent customer service with live agents available 8:00-8:00 ET Monday through Thursday and Friday 9:00-8:00pm 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, betterhelp, and more.
| 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 |
500+ Services Covered
Skin Care
Hair Styling
Nail Decorations
Massage
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.
Get Insured with Beauty Insurance Plus!
Beauty Student Competitive Rate
Beauty Insurance Plus offers first-year policies for students, available at only $49 for the first 12 months.
We want to make sure that during the time you are training for your profession, you are insured with the full benefits of our professional program at a discounted rate. Coverage is provided for 12 full months, even after graduation.
Click here
to learn more about our insurance for cosmetology students. If you have any questions, please give us a call at
800-941-3583
so we can help you in your journey.
Comprehensive Coverage, Great Benefits, One Low Price
Whether you provide your services in a salon or in a private home, you will enjoy full coverage through Beauty Insurance Plus in all 50 U.S. states. When you have to move jobs or even states to follow your career aspirations, your coverage will follow you.
We offer professional Light Therapy specialists the peace of mind of not having to worry about what might happen when a future event leads to a claim. Instead, our members are free to focus 100% on growing their business and providing great service to clients.
Some insurance programs will limit how many services you can offer and will either not cover additional services or charge an extra fee to have these included in the policy. We provide extensive coverage for many different techniques so you can put together the best plan for helping beautify your clients and we do so all at one, low rate.
Light Therapy Specialist Insurance FAQs
Think of light therapy specialist insurance as a safety net for your career. While no one likes to think that an unfortunate event could crop up, we help professional light therapy specialist every day navigate claims that arise from the most every day of circumstances.
Effective light therapy specialist help clients look and feel their very best by using a variety of tools, chemicals, and different techniques. Doing so can you in close proximity to sensitive areas around the face and neck. One small slip can result in expensive medical costs to treat an injury or cover other costs like the client’s lost wages. When a client decides to seek legal action against you, legal defense fees will also be necessary. All of a sudden, that small mistake can cost thousands.
At its core, light therapy specialist insurance from Beauty Insurance Plus provides coverage for general and professional liability, advertising injury, and even identity theft.
For as low as $14.08 a month, you can have full, complete, and all inclusive light therapy specialist insurance coverage through Beauty Insurance Plus. Our insurance for light therapy specialists was created just for the beauty industry. This means we include smartly-set coverage limits and extended protections beyond general and professional liability coverage to include advertising and personal injury liability coverage, and even an identity protection plan.
Over and above great insurance coverage, our light therapy specialist insurance program includes fantastic member benefits worth hundreds of dollars all by themselves. We work extremely hard to keep our program both robust but also affordable for our hardworking professional members.
The best light therapy specialist insurance plan is one that adequately protects you and your career from the types of risks you face by working as a light therapy specialist professional. With Beauty Insurance Plus, you get the best return for the investment you make in insuring yourself and your career.
We do this by offering a solid liability insurance plan, include layers of additional protection like an identity protection plan, incorporate a membership benefits program worth hundreds of dollars, and do all of this at some of the best rates in the industry. The best light therapy specialist insurance plan is one that will protect you and your career, offers you extra benefits you’ll actually use, and is also affordable.
Light therapy specialist insurance allows you to transfer risk from yourself onto your insurance carrier. With Beauty Insurance Plus, your light therapy specialist insurance policy provides you with solid coverage within several key areas.
A claim event that occurs during the actual services you are providing would fall under what’s known as professional liability, or malpractice, insurance. An example could be a someone that has hired you to help them create their vision for a 'perfect' body after just one session. When the product doesn’t meet their expectations, they may file a claim against you.
Coverage for accidents that occur in or around your premises - called general liability, or slip and fall, insurance, is vital for any professional simply offering services. All it takes for a claim event is a client tripping on the way to your booth and injuring themselves. Costs associated with general and professional liability claims are covered at $2 million per occurrence.
Going further, light therapy specialist liability insurance from Beauty Insurance Plus also includes safeguards for the everyday such as advertising coverage, and even an identity protection plan.
Absolutely. Our light therapy specialist insurance program is designed to be flexible - applying to just about any circumstance you might find yourself in for providing your professional services.
Whether you help clients as a freelance light therapy specialist, work in a salon, rent booth space, or just about anywhere in between, you can have confidence that your insurance coverage through Beauty Insurance Plus supports you through every step of your career.It may seem obvious but light therapy specialist insurance is the best insurance for light therapy specialist. Many insurance programs out there offer generic coverage for professionals but they weren’t designed just for the beauty industry and may contain serious gaps in their coverage for light therapy specialist.
Our program was designed just for light therapy specialist, so it includes the most appropriate protections for events that beauty professionals can face at some point in their careers. With Beauty Insurance Plus, you get coverage for both general and professional liability claims. Going further, our program also includes protection for advertising claims, and even an identity protection plan.
Absolutely. Our program invests in the future generation of light therapy professionals with a low-cost, students-only option for those studying to become light therapy specialists. For just $49, students can enjoy all of the same benefits as our professional program for a full year.
If it’s advantageous, you may consider waiting until you are almost through with your program before applying for an light therapy student insurance policy. That way, most of your first year on the job while you’re still learning the ropes is covered for only $49.
In truth, some states have no requirement for you to have insurance before you get licensed to provide light therapy services. That being said, choosing to provide services without having insurance is extremely risky. Just like driving a car, the possibility of an accident is always out there.
With our one-year option at $169 (that’s only $14.08 per month), you get great coverage for probably less than what you pay for your video streaming service. Considering just how costly a claim event can be, light therapy specialist insurance is an incredibly cost-effective way for you to confidently provide services instead of worrying over a future claim event possibly sidelining your career and putting a big dent in your wallet.
We offer coverage for more than 500 beauty and wellness services. We fully cover light therapy specialist services such as application, CoolSculpting, and more.
Light therapy specialist liability insurance through Beauty Insurance Plus has built-in portability of coverage. Portability is a super useful insurance coverage mechanism that allows you to take your coverage with you no matter where you go. In all 50 U.S. states, you will have complete coverage no matter if you move jobs, move cities, or even move to a whole new state.
