Business Insurance for Estheticians

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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.

Esthetician working on a female client's face.

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?

Man holding a calculator with computers and books behind him.

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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