A waxing burn or an allergic reaction to a chemical peel could seriously harm your business. Whether you work on your own or in a group, esthetician insurance policies help your business survive costly lawsuits and accidents.
These insurance policies cover the most common risks of skin care clinics.
A general liability policy covers basic third-party risks, such as a client tripping in your clinic and breaking an arm. It's often the first policy purchased by beauty professionals.
A business owner's policy, or BOP, is a cost-effective way for skin care professionals to buy general liability coverage and commercial property insurance together.
This esthetician liability insurance covers legal defense costs related to work performance, such as a customer who sues over a laser burn. It's also called errors and omissions insurance (E&O).
Most states require workers' comp for esthetician businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for estheticians who handle credit card numbers and other personal information.
Commercial auto insurance covers the cost of accidents involving a vehicle owned by an esthetician. Most states require this coverage for vehicles owned by a business.
It's easy to get esthetician insurance coverage or aesthetic nurse insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get proof of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find the right coverage for professional estheticians, whether you work independently or hire employees. Get peace of mind knowing you have the best esthetician insurance for your risks.