Business Insurance for Estheticians

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An adverse reaction to a chemical peel, a waxing burn, or any number of risks could seriously harm your business. Insurance for estheticians protects against legal fees, medical bills, and more.

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One application, multiple quotes

Insureon helps estheticians compare quotes from top U.S. carriers online. Get several quotes for esthetician insurance with one application.

What types of business insurance do estheticians need?

These policies provide coverage for the most common esthetician risks.

General liability insurance icon

General liability insurance

This policy covers basic esthetician risks, such as a client tripping in your office and breaking an arm. 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 property insurance and general liability insurance under one plan. It's often one of the most cost-effective commercial esthetician insurance policies.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy for estheticians is also called E&O insurance. It covers lawsuits related to work performance, such as a customer who claims a facial did not deliver promised results.

  • Skin treatment injuries
  • Failure to meet expectations
  • Missed appointments
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

Why do estheticians need insurance?

As an esthetician, you help your customers look and feel their best. But due to the nature of cosmetic procedures, lawsuits are a real risk. Whether you work in a group or as an independent contractor, esthetician insurance can help you survive legal costs from a dissatisfied client or other cause.

How much does business insurance cost for estheticians?

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

  • Esthetician services offered, such as waxing and facials
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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