Why do brow and lash techs need insurance?
A botched procedure or an allergic reaction could lead to crippling legal costs. Business insurance can pay for a lawsuit from a dissatisfied customer, medical bills from a workplace injury, or the cost of rebounding from a data breach. Technicians may need coverage to comply with laws and contracts.
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Brow and lash technicians can save money by comparing insurance quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from our licensed agents.
What types of insurance do brow and lash technicians need?
These insurance policies cover the most common risks faced by lash and brow specialists.
General liability insurance
A general liability policy covers basic third-party risks, such as a customer who slips and falls on a wet floor at an eyelash salon. It's sometimes called public liability insurance.
- Accidental third-party injuries
- Customer property damage
- Libel and slander claims
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a lower rate than if they were purchased separately. Most small salons are eligible.
- Customer bodily injuries
- Accidental damage to customer property
- Damaged business property
Professional liability insurance
This policy covers legal defense costs if a lash artist is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
- Loss of natural lashes due to poor technique
- Infections caused by improper sterilization
- Other negligence claims
Workers’ compensation insurance
Most states require workers' comp for brow studios that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
- Medical expenses from workplace injuries
- Disability benefits
- Lawsuits from injured employees
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for brow and lash techs who store email addresses and other personal information.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a brow and lash salon. Most states require this coverage for vehicles owned by a business.
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
How much does brow and lash technician insurance cost?
A brow and lash tech who works as an independent contractor won't have to pay a lot for insurance.
Average personal care business insurance costs include:
- General liability: $38 per month
- Professional liability: $50 per month
- Workers' comp: $66 per month
A cost-effective option for small salons is a business owner's policy, which bundles general liability and commercial property coverage at an average of $79 per month.
What factors affect the cost of brow and lash tech insurance?
Several factors affect insurance premiums for brow and lash technicians during the underwriting process, such as:
- Type of services: Microblading and other higher-risk aesthetic procedures may cost more to insure than low-risk procedures, such as henna or eyebrow lamination.
- Business property and equipment: Expect to pay more to insure a beauty salon or expensive equipment than basic cosmetic supplies.
- Annual revenue: Higher revenue often means greater exposure to liability claims and larger potential losses, which increases your insurance rates.
- Business location: Insurance costs can vary based on property values, litigation trends, crime rates, and the cost of doing business in your region.
- Coverage limits and deductibles: Higher policy limits generally increase premiums, while choosing a higher deductible can lower them.
- Claims history: Businesses with previous insurance claims may pay higher rates than those with a clean claims record.
- Number of employees: Each additional technician, esthetician, or other staff member typically increases insurance costs because they each bring the risk of a lawsuit.
How do I get lash tech business insurance?
It's easy to get brow and lash technician insurance, permanent makeup (PMU) insurance, or nail technician insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Fill out our free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download proof of coverage.
Insureon's licensed agents work with top-rated U.S. providers to find coverage for your risks in the makeup and beauty industry, whether you offer eyelash extension services, spray tanning, waxing, or other services.
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FAQs about brow tech and eyelash extension insurance
Review answers to frequently asked questions about insurance coverage for lash and brow technicians.
Do you need a license or certification to be a lash tech?
Yes, you typically need a state-issued license to apply eyelash extensions and perform other lash and brow treatments. Depending on your location, you might need a general business license, an esthetician license, a cosmetologist license, a hairstylist license, an eyelash extension specialty license—or in some states, none of the above.
To get licensed, you might need to complete a training program approved by your state's licensing board. That could include an eye lash training program, an infection control course, or both.
Earning a certification in a training program might be part of what you need to get licensed. Certifications also train you to perform specific tasks and prove your competence to clients, which can help progress your career and your pay grade.
Do eyelash extension and brow techs need professional liability insurance?
Yes, lash and brow techs should carry professional liability insurance, also called errors and omissions insurance (E&O). In some cases, salon owners may require you to carry this coverage.
Professional liability insurance protects you financially if a client has an adverse reaction to a lash procedure, or if they're unhappy with their results and decide to sue. In the event of a lawsuit, a professional liability policy can pay for attorney's fees, court costs, settlements, and judgments.
Because litigation costs are so expensive, having eyelash extension liability insurance is crucial, even if you're self-employed. Otherwise, a single accident or dissatisfied client could potentially bankrupt your business.
Can I add others to my eyelash extension insurance?
Salon owners and lash technicians can often add landlords, contractors, employees, and others to their policy as an additional insured. This extends the protection offered by your policy to the other party.
You might need proof of insurance or an additional insured endorsement in order to get a license, sign a commercial lease, or work for a client. Salons that operate a franchise might also need to add the franchise owner to their policy.
These endorsements show your business is reliable, as anyone who works with you knows they'll be shielded in the event of a lawsuit.
Do brow and lash techs that travel between spas and salons need insurance?
Yes, brow and lash technicians need to make sure they're protected in every location where they work. Freelancers and contractors might ask to be included in a salon owner's coverage, or buy their own coverage to make sure they're fully protected.
When in doubt, it's best to buy your own coverage. You can choose the limits that fit your needs, and get peace of mind knowing your policy will protect your own interests foremost if you're ever taken to court.
In addition to liability insurance, mobile technicians should make sure to cover their cosmetic supplies with tools and equipment insurance, also called inland marine insurance. This coverage follows you wherever you go, protecting your business property in transit, at salons, and when stored off-site.
What other types of insurance do I need as a lash tech?
For a comprehensive risk management strategy, beauty professionals may want to consider several additional policies, such as:
- Commercial property insurance covers costs if your building, furniture, inventory, or equipment is damaged by a covered event, such as a fire or theft.
- Business interruption insurance, also called business income insurance, helps replace lost income and pays operating expenses if a covered property claim forces your business to temporarily close.
- Product liability insurance provides financial protection if a product used in eyelash tinting or waxing causes an allergic reaction or other adverse effect that leads to a lawsuit. It's usually included in general liability insurance.
- Employment practices liability insurance (EPLI) covers legal expenses related to wrongful termination, discrimination, harassment, and other violations of employee rights.
- Hired and non-owned auto (HNOA) insurance provides liability coverage for personal, rented, or leased vehicles driven for business purposes, such as traveling to clients' homes or picking up supplies.
- Commercial umbrella insurance extends the liability limits of underlying policies, such as general liability, employer's liability, and commercial auto insurance, helping protect your business from large or catastrophic claims.