Personal Care, Beauty, and Cosmetology Insurance

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Insureon helps personal care professionals compare insurance quotes from top U.S. carriers. Get several quotes with one application.

Common insurance policies for beauty and personal care professionals

From barbershops to nail salons, your business can survive financial loss with the right coverage. Insureon has helped personal care business owners secure about 2,000 policies.

General liability insurance icon

General liability insurance

This policy covers common cosmetology and personal care risks, such as customer injury at a salon. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance at a discount. It's typically the most cost-effective way to insure a cosmetology or personal care business.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for estheticians and other beauty and personal care experts, also called malpractice insurance, covers legal expenses for lawsuits related to work quality.

  • Lawsuits over harm caused by beauty products
  • Treatment that fails to produce promised results
  • Work mistakes, such as using the wrong hair dye
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for personal care businesses that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Looking for different coverage? See more policies.

How much does insurance cost for personal care, beauty, and cosmetology professionals?

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Several factors will have an impact on insurance costs, including:

  • Personal care services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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