Professional Liability Insurance
Beauty Insurance Plus offers A- rated liability insurance that is designed for beauty professionals across all 50 states. Get instant coverage for less than .46 cents a day!
What Is Professional Liability Insurance?
Professional Liability Insurance is also known as errors and omissions (E&O) insurance.
Professional liability coverage for cosmetologists provides financial security in case a client sues them for alleged errors or negligence. In other words, if you make a mistake or are accused of harming your client, professional liability insurance can help protect you from the financial burden of a lawsuit from your client.
Key Features of Professional Liability Insurance:
1. Coverage for Mistakes: Even the most skilled and certified professionals make errors in their career. We'll protect you from lawsuits related to negligence, errors, or unintentional omissions in your work.
2. Legal Costs: Our insurance will cover legal expenses, as they can add up and become costly.
3. Industry- Specific: Our Professional Liability Insurance is tailored specifically for the beauty industry. Whether you are a hairstylist or esthetician, we've got you covered.
Professional liability insurance is essential for anyone who provides specialized services or advice, as it provides a safety net to your career so you can practice confidently knowing you are covered.
Why Do Beauty Professionals Need Professional Liability Insurance?
Professional liability insurance is a critical portion of a complete coverage program. Without professional liability coverage, cosmetologists could be up a creek if a client sues them. Fortunately, professional liability coverage is built into our total coverage package.
Real Claims from Professionals:
Having professional liability insurance protects your career against the unexpected. Paying the average cost to defend a 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.
With Beauty Insurance Plus, you will receive complete career protection at an affordable rate. Start protecting your career in just minutes.
How Much Does Professional Liability Insurance Cost?
Beauty Insurance Plus offers affordable liability insurance for less than .46 cents a day.
Two Year
$299
Per 2 Years
Lock-in a rate of $140 per year, by purchasing our two-year policy, with all the same benefits.
One Year
$169
Per Year
our first year introductory rate and take advantage of everything we have to offer.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
Policy Highlights & Benefits
Why Choose Beauty Insurance Plus?
As a Beauty Insurance Plus member, you will be able to take advantage of the most inclusive liability insurance program at one of the lowest costs in the industry. 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. Because of this, we will provide you with:
Excellent customer service with live agents available 8:30-8:30 ET Monday through Friday + limited weekend hours
Instant coverage and proof of insurance at checkout
Occurrence form Coverage, the industry’s preferred choice
Coverage for more than 500+ beauty and wellness services.
Access to over $750 in member benefits and discounts, including GlossGenius, BTCUniversity, and more.
What Services Do We Cover?
Many other insurance providers make you pick and choose your coverage or charge extra for additional modalities. We find this way of approaching beauty insurance discourages professionals from growing in their careers and exploring new horizons.
Our policy gives you total protection and a complete coverage plan. With over 500+ unique modalities and services in your policy, you don't have to sweat it if you want to learn a new skill or advance your career. Because it's included from the get-go, there's no need to call your insurance provider to update your policy. We've got you covered the moment you sign up.
Barbers
Blow outs
Chemical wave
Children's services
Conditioning treatments
Custom wrap
Design, cut and style
Design, cut and color
Fade cut
Fade designs
Flash or Balayage highlights
Hair bleaching
Hair braiding
Hair coloring
Hair treatments
Hair shaping
Hair extensions
Highlights
Men's grooming
Permanent hairstyle
Razor cuts
Razor shaves
Shampooing
Straightening
Thermal styling
Waves
Weave
Wet styling
Wig stylist
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!
The #1 Choice for Liability Insurance
Cultivating trust is essential when choosing an insurance provider. As a beauty professional, your insurance is the best protection against a liability lawsuit, so it's important to know, without a doubt, that your insurance company will come through for you. 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
Liability Insurance FAQs
Any beauty professional providing services to clients needs professional liability insurance. Whether you work in a salon, rent a chair or booth, own a salon suite, or freelance, you're at risk for claims of negligence or unsatisfactory results. Even if the salon has insurance, having your own personal coverage is vital for full protection. There is no such thing as "too much" coverage.
Many providers of cosmetologist insurance will cover only a few select services within their plans and if they cover additional services will typically charge an added premium for these. We would rather professionals be able to employ whatever suite of services is most beneficial to their clients and the most profitable for their business so we offer coverage for more than 500+ different beauty, health, and wellness modalities.
We love reading SO much great feedback from the professionals we insure, which is why we have two primary platforms for our members' reviews: the independent, third-party review gathering platform TrustPilot. and Google!
Limits are the most amount that your insurance provider will pay for a given claim or all claims total during your term. Limits need to be adequate enough to cover the many different forms of liability that can present themselves during a cosmetologist career but should never be more than what’s needed. Some programs will showcase really high limits but the odds that you will ever come anywhere close to needing that much coverage is very small. At Beauty Insurance Plus, we set limits at appropriate levels based on our many years within the cosmetology insurance industry.
Our online membership portal is that as soon as you complete the application, choose the payment plan that works for you, and check out, you’ll enjoy immediate coverage with access to all of your important plan documents - including certificates of insurance. This has come in handy for our members more times than we can count for events such as a workshop or tradeshow that required insurance unbeknownst to our soon-to-be member. Even at the door to the event, with just a few clicks you can get full insurance with proof of coverage. Fill out our online application and have the protection of full coverage in place within just a few minutes.
Absolutely. In the insurance realm being able to move your insurance policy from job to job, from state to state, and even to over 500+ different services is called ‘portability’. If your insurance provider does not offer portability, you are risking losing coverage should your career necessitate a change in location.
Renting a booth at a salon means you are more than likely being employed as an independent contractor. As an independent contractor you have the ability to make your own schedule, take on whichever clients you choose, and generally make most decisions concerning your business. The flip side of the coin is that you also hold the majority of the liability when conducting services for clients. This makes cosmetology professional liability insurance not only practical, but necessary if you want to avoid the possibility of having to pay for a future claim out of your own pocket. When costs for treatments of injuries can run in the tens of thousands of dollars, one claim is all it can take to severely impact personal finances and career aspirations.
Occurrence form coverage provides coverage for claims covered under the provisions of your policy as long as the claim event occurs while the policy is still active. Claims made policies do the opposite and only provide coverage for claims that are filed while the policy is active. This means once the policy expires, even if the claim event was during the active period, a claims made policy will not provide coverage.
General liability is so-named because of the general nature of the events that might present a liability, i.e. something you’re financially responsible for. You’ve probably heard this called slip and fall insurance because something as commonplace as this type of event can mean a multimillion-dollar suit against a business owner. Most times, the injured party is claiming some form of negligence on your part contributed in whole or in part to them receiving the injury and/or damages. With our program, cosmetologists are covered all the way up to $2 million for each individual occurrence, up to $3 million total for the year for third-party claims of injuries or property damage.
Conversely, professional liability is related to the activities that you perform in a professional capacity. Coverage for this is also called “malpractice insurance” because it relates to the services you provided that then led someone to assert a claim against you for injuries and/or damages. For example, you are applying some highlights that end up giving the client chemical burns for which they turn around and file suit for their injuries and hospital bills.
We wanted to make our insurance for cosmetologists as accessible as possible so created an online insurance platform with an easy to navigate application process that can be completed 100% online. In minutes, you can get full and complete insurance coverage for your career in cosmetology from anywhere in the world where you have an internet connection.
