Why do estheticians need insurance?
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.
Find affordable coverage
Estheticians can save money by comparing quotes from trusted insurance providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of business insurance do estheticians need?
These insurance policies cover the most common risks of skin care clinics.
General liability insurance
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.
- Slip-and-fall accidents
- Damaged customer property
- Product liability coverage
Business owner’s policy
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.
- Customer bodily injuries
- Customer property damage
- Skin treatment equipment coverage
Professional liability insurance
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).
- Skin treatment injuries
- Failure to deliver promised results
- Missed appointments
Workers’ compensation insurance
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.
- Employee medical costs
- Disability benefits
- Employee injury lawsuits
Cyber insurance
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.
- 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 an esthetician. 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 personal care, beauty, and esthetician insurance cost?
An esthetician or cosmetologist working on their own will pay less for insurance than a salon.
Factors that affect esthetician business insurance premiums include:
- Services offered, such as microblading, hair removal, spray tanning, or lash and brow treatments
- Business property and equipment
- Business income
- Location
- Types of insurance purchased
- Coverage limits and deductibles
How do I get esthetician insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the right coverage for professional estheticians, whether you are just starting your own operation, or have an existing business with multiple employees. Get peace of mind knowing you have the best esthetician insurance for your risks.
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