Business Insurance for Estheticians

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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.

Esthetician working on a female client's face.
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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.

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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
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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
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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
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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
Looking for different coverage? See more policies.

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

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An esthetician or cosmetologist working on their own will pay less for insurance than a salon.

Factors that affect premiums include:

  • Services offered, such as microblading or hair removal
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Coverage limits and deductibles
View Costs

How do I get esthetician insurance?

It's easy to get esthetician insurance coverage 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 work independently or hire employees. Get peace of mind knowing you have the best esthetician insurance for your risks.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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