Cosmetology Insurance
$9.99/ month
Style with Confidence: Elevate your artistry, insured and inspired.
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Cosmetology Insurance from BBI
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your artistry.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Will BBI’s Cosmetologist Insurance Cover Me?
Multiple services on your menu? One policy is all it takes. You’re covered if you’re a:
Common Questions About Insurance for Cosmetologists
What Is Cosmetology Insurance?
Cosmetology insurance, also known as public liability insurance, is coverage designed to protect you from having to pay for expensive claims related to your business. You’re passionate about helping people look their best – cosmetology insurance lets you focus on your work, even when things get ugly.
BBI’s cosmetology insurance combines general and professional liability coverage into one policy, with options for add-ons. From chemical burns to slip-and-falls and even advertising mistakes, we’ve got you covered.
Do I Need Cosmetologist Insurance?
The short answer: Yes! If you’re a cosmetologist, you need insurance.
Sharp scissors, lash glues, chemical peel solutions – all of these things can easily cause a client to get hurt or have a negative reaction. Cosmetologist insurance gives you peace of mind to do your best work.
You may also be required to carry cosmetologist insurance by salon owners or event organizers. Typically, you’ll need to list these third parties as additional insureds on your policy. Your BBI policy makes it easy to meet these requirements and start booking clients!
Why Choose BBI for Cosmetology Insurance?
With BBI’s cosmetology insurance, enjoy:
- Top-rated carriers
- Easy online purchase
- Occurrence-based coverage*
- Coverage that can start right now
- Monthly or annual payment options
- Option for unlimited additional insureds
- Licensed support agents ready to help you
- Low-cost premiums for high coverage limits
- 24/7 access to your policy through your dashboard
- Protection for your mobile business – work where you want!
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
We’ll Take Care of That
You’re the pro of glow-ups, but accidents happen. With cosmetology insurance, you won’t have to pay for claims like these on your own.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
You’re the pro of glow-ups, but accidents happen. With cosmetology insurance, you won’t have to pay for claims like these on your own.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Quote-Free Cosmetology Insurance
Join 63,000 professionals, including cosmetologists just like you, who have found peace of mind with BBI’s liability coverage.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Your policy comes standard with the coverage listed in the chart above. To enhance your cosmetology insurance policy, choose from these optional add-ons:
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business essentials if they get damaged or stolen.
Good for: covering your tools, products, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your coverage to qualified third parties you add to your policy that may be affected by claims brought against your business.
Good for: meeting the requirements of salon or spa owners, landlords, venue organizers, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from data breaches or cyber attacks on your business.
Good for: cosmetologists who book clients or accept payments online.
Other Common Cosmetology Insurance Coverage Questions
What is Included in Liability Insurance for Cosmetology?
Your BBI cosmetology insurance policy includes:
- General liability insurance: coverage for third-party (client or other) claims of bodily injury or property damage.
- Professional liability insurance: coverage for claims alleging you’ve made a professional mistake or haven’t met a client’s expectations.
- Personal and advertising injury coverage: coverage for non-physical damage, such as libel, slander, or advertising mistakes.
- Fire legal liability coverage: coverage for accidental fire damage to your rented workspace.
- Products and completed operations coverage: coverage for the products you use and your completed services if they harm a client.
Learn more about our coverage details.
How Much Does Cosmetology Liability Insurance Cost?
BBI’s cosmetology insurance starts at just $9.99/month, or save nearly 20% with the annual price of $96. For one of the most affordable prices on the market, you get industry-preferred coverage: $3 million for the whole policy year.
For an additional cost, customize your policy with any of our optional coverages.
What Are Some Common Cosmetology Claims?
You’re a trained cosmetologist, but sometimes accidents happen. Here are some claims your policy could cover:
- A lash client’s eye getting accidentally scratched with tweezers
- A client developing an allergic reaction to the foundation you’ve applied to their skin
- A client saying their spray tan results were not to their liking
- A client claiming your promo ad was misleading
- A client slipping on water at your salon booth
When’s the Best Time to Purchase Cosmetology Insurance?
You should purchase cosmetology insurance the moment you start practicing cosmetology – even if you’re still a student. You assume risk every time you meet a client, so it’s smart to get cosmetology insurance now.
With BBI, you can buy your policy in just a few clicks and get instant coverage.
Is Mobile Cosmetology Insurance Included?
If you’re planning on taking your cosmetology business on the road, BBI has you covered! Your insurance follows you where you work – from the salon or studio to your client’s home. Just keep your mailing address updated in your user dashboard, and you’re good to go.
What Do I Need to Fill Out an Online Application?
If you’ve got 10 minutes and the following information, you’re ready to get insured:
- Your personal information (name, address, business info)
- Your policy preferences (plus optional add-ons you want)
- Your business services
- Any claims history
- Additional insured (their info if you need to add them to your policy)
Payment information
You're in Great Hands
Here’s what our happy policyholders have to say.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
