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Aesthetician/Esthetician
Business Insurance for Estheticians
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Aesthetician/Esthetician
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Save money by comparing insurance quotes for estheticians
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.
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
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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
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.
BEST FOR
- Accidental injury caused by a skin treatment
- Complaints that a technique didn’t work as promised
- Missed appointments
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for skin care clinics that have employees. It can cover medical costs for work-related injuries.
BEST FOR
- 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 insurance cost for estheticians?
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
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