Occurrence Form is the industry-preferred policy type over Claims Made, because you are covered for any incident that occurred while your policy was in effect. We offer Occurrence Form so our customers can rest easy knowing they're protected even if their clients delay making a claim.

Even if your cosmetology insurance coverage has lapsed, you're covered and your license is protected as long as the incident occurred while your policy was active.

We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured beauty professional will have their own coverage, and the claims that others make will not affect the individual coverage amount available.

This is unlike shared limits where the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.

You'll be fully insured wherever you practice in the United States, as long as, you are following your state's regulations; no need to let us know you are on the move. You'll also be covered for more than 350+ beauty and wellness services, at no additional cost.

Doing hair one day and a make up application the next? We've got your back.

Hundreds of Dollars In Exclusive Member Benefits

In addition to your general and professional liability coverage, your policy includes product liability coverage, rental damage insurance, an identity theft protection plan, and stolen/damaged equipment coverage.