Esthetician Insurance

Customized coverage for your esthetician business

Product

1-877-777-1783

This coverage provided and serviced by affiliated and third-party insurers.. Read more

Personalize an esthetician liability insurance policy to meet your business needs

Insurance for estheticians and other beauty industry professionals protects your business so you can focus on building relationships and helping customers look and feel their best. Whether you work out of a commercial space or travel to clients' homes, insurance can keep your business running smoothly, even when the unexpected happens.

What is esthetician insurance?

Esthetician insurance is business insurance designed to safeguard beauty professionals from the risks they might encounter in their day-to-day operations. Even though you take the utmost care, procedures and products like wax hair removal, laser skin resurfacing, and chemical peels can unintentionally lead to issues or injuries. Insurance for estheticians can protect you, your employees, your customers, and the specialty machines you use.

Getting coverage is easy with Progressive Commercial. Our insurance experts can customize an esthetician insurance policy just for you. Call us or start a quote online to learn more.

Why esthetician business insurance is important

Esthetician business insurance can protect multiple aspects of your work, from client care and office space to the tools you rely on to do your job. It's designed to help with the everyday risks that come with running a hands-on beauty business. Coverage can minimize disruptions and let you spend more time with your clients.

Depending on where you work, you may be required to have specific types of insurance. For example, if you rent a commercial space or contract with a salon, you might need esthetician liability insurance. Progressive Commercial can provide a certificate of insurance (COI) that proves you're covered and lists your policy details.

Who needs esthetician insurance?

Many beauty and wellness professionals can benefit from tailored esthetician insurance coverage, including:

Makeup artists
Cosmetologists
Nail salons
Beauty salons
Skincare or waxing professionals
Nail technicians

No matter how your business is organized, we can help you get the protection that's right for you. Progressive Commercial can tailor policies for all kinds of operations, including LLCs, sole proprietorships, and startups.

Do I need esthetician insurance coverage if I work from home?

Yes. Homeowners insurance and other policies for individuals usually don't cover business activities. If you run your company out of your home, esthetician insurance can protect you and your assets.

Do I need estheticians insurance if I travel to clients?

Yes. Many esthetician insurance policies offer protection when you're working off-site, including customers' homes, temporary locations, or special events. If you frequently travel between locations for your job, you might also need commercial auto insurance.

Types of insurance for estheticians

Whether you're just starting out or expanding your services, esthetician insurance can help you grow your beauty business with confidence. The most common coverages for estheticians are general and professional liability. Depending on how you operate, you may want to consider additional types of insurance. The following options can give you a good idea of what you might need.

General liability (GL)

Protection for injury and harm caused to others

General liability protects against third-party damages and customer injuries. It also covers personal and advertising injury, like slander or libel. Learn more about the cost of general liability insurance.

Example: You perform a chemical peel on a client, and they have an allergic reaction that requires emergency care. Even though the product caused the reaction, your general liability could pay their medical expenses and any legal fees if the customer decides to sue.

Business owners policy (BOP)

Combines liability and property coverage

A business owners policy combines liability insurance with commercial property coverage to protect your business space, equipment, and other assets. You can customize a policy with optional BOP coverages, like equipment breakdown, to get the protection you need.

Example: A lightning strike suddenly damages your hydro-dermabrasion machine, causing you to cancel appointments while it's being repaired. A BOP with equipment breakdown coverage could help pay for the lost income, expedited repairs, and more.

Workers' compensation

Required protection for employees

Workers' compensation helps pay medical bills and lost wages after a workplace injury. Most states require workers' comp for businesses with employees. It can also protect you from employers liability lawsuits. Even sole proprietors may want to consider this coverage, especially since the cost of workers' comp is based on the number of employees you have, so smaller teams typically pay less.

Example: A vat of hot wax spills on your hand, causing burns that prevent you from working for a few weeks. Workers' comp covers your medical expenses and a portion of your lost wages while you recover.

Professional liability

Covers mistakes and claims of negligence

Professional liability insurance protects against errors and negligence claims related to your advice and services. If a customer accuses you of making a damaging mistake, professional liability can help pay for legal fees and settlements.

Example: An esthetician at your spa uses the wrong setting on a model's laser treatment, causing burns and blisters. The model loses business as a result. If they decide to sue for lost income, your professional liability coverage could pay for your defense.

Commercial auto

Protection for your company vehicle

If your operations depend on a vehicle for things like house calls, events, or other business travel, most states require commercial auto insurance. You can add other commercial auto coverages for more protection than the mandated state minimums for auto insurance.

Example: You get into an accident in your work vehicle on the way to client's event. The right commercial auto coverage could pay to repair your car.

Cyber

Recover quickly from digital disruptions

Cyber insurance may be a good idea for businesses that accept credit card payments or store sensitive information, like client addresses. It helps with recovery costs like hiring an IT professional or an investigator. The cost of cyber insurance will depend on the type of data you manage and the coverage limits you need.

Example: A data breach steals customer information from your system. A cyber policy could pay to investigate the issue, recover lost data, and notify customers so you can get back to work.

Product liability insurance for estheticians

Estheticians who sell skincare and other products may be held responsible if a customer is harmed by something they purchased. Product liability insurance for estheticians can pay for medical bills, property damage, and legal costs if a customer claims your product negatively impacted them. This coverage is included as part of a general liability policy.

How much does esthetician insurance cost?

Esthetician insurance cost is based on different factors, from business size to coverage needs. For example, a small esthetician operation that needs $500,000 in liability coverage will probably have a lower premium than another with a $1 million limit. Common factors that determine your rate include:

Number of employees
Number of locations
Equipment you use
Risk from chemicals and other products
Whether you travel for work
Claims history

While saving money is important, choosing the cheapest esthetician insurance may not protect everything you need it to. Make sure you're selecting coverages that fully support your livelihood.

Learn more about how business insurance rates are calculated and how much you'll pay for commercial auto.