Personal Care, Beauty, and Cosmetology Insurance
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Professional liability insurance for personal care businesses

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Professional liability insurance

Professional liability insurance, also called errors and omissions insurance, protects small businesses against the costs of client lawsuits over unsatisfactory work.

Protect against work mistakes with professional liability insurance

Whether it’s an ineffective skin treatment at a medical spa or a bad haircut at a barbershop, a simple error could have major consequences. Professional liability insurance, also called malpractice insurance for medical spas, can help your business survive a lawsuit.

This policy provides liability coverage related to:

  • Work mistakes and oversights
  • Accusations of negligence
  • Undelivered services

Bundle policies for a discount

Nail technicians, estheticians, and other personal care specialists may be able to bundle professional liability insurance with a general liability insurance policy or a business owner’s policy (BOP) to receive a discount on their premium. Talk to a licensed Insureon agent to find out more.

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What coverage can professional liability insurance provide for personal care businesses?

Work mistakes and oversights

Even if you’re innocent, a lawsuit alleging a professional mistake can lead to an expensive court battle. A client could take a hairstylist to court over using the wrong shade of hair dye before her wedding, or sue a permanent makeup artist for a small imperfection. Professional liability insurance helps cover legal fees related to work mistakes. That includes:

  • Attorney’s fees
  • Court costs 
  • Settlements or judgments

Accusations of negligence

If a massage client claims your shiatsu treatment caused injury, or a customer develops an infection after a manicure, you could face an accusation of negligence. When the quality of your work is questioned, professional liability insurance can help pay for lawsuits, including the cost of hiring an attorney.

Undelivered services

If a mistake in scheduling causes you to miss an appointment, a client could take you to court over undelivered services. If you face a lawsuit related to a failure to deliver microblading, massage therapy, or another service, your professional liability insurance policy can help pay for the legal expenses, including a court-ordered judgment or settlement.

Other important policies for personal care professionals to consider

While professional liability insurance guards against work mistakes, it does not offer complete protection. A fire at your salon or a customer injury from a fall could devastate your business. Insurance policies that benefit personal care, beauty, and cosmetology businesses include:

General liability insurance: This policy covers legal expenses related to customer injuries and property damage, such as a client slipping in the steam room at your medical spa.

Business owner’s policy: A BOP combines general liability coverage with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

Workers’ compensation insurance: Workers' comp is required in most states for businesses that have employees. It covers medical costs and disability benefits for work-related injuries and illnesses.

Cyber insurance: This policy helps businesses recover financially from data breaches and cyberattacks. It's strongly recommended for any business that handles credit cards, email addresses, or other personal information.

Commercial auto insurance: This policy covers the cost of an accident involving a vehicle owned by your personal care business. Most states require this coverage for business-owned vehicles.

Get free quotes and buy online with Insureon

Are you ready to safeguard your personal care business with professional liability insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

Updated: September 7, 2023
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