Personal Care, Beauty, and Cosmetology Insurance

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What kind of work do you do?
Inside view of a salon.
We partner with trusted A-rated insurance companies
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Top personal care businesses we insure

Insureon has helped small businesses secure over 1 million policies.

Don't see your profession? Don't worry.
We insure most businesses.

Recommended insurance policies for beauty and personal care professionals

From barbershops to nail salons, your business can survive costly accidents with the right coverage. Gain financial protection against property damage, injuries, and lawsuits with policies designed for personal care professionals.

General liability insurance icon

General liability insurance

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

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage 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 lawsuits related to work quality.

  • Lawsuits over harm caused by a treatment
  • Failure to produce promised results
  • Mistakes, such as wrong hair dye
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for personal care businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

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

Person doing calculations with a hair dryer and a chart in the background.

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

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