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Beautician Insurance

Keep Your Business Beautifully Protected
From

$9.99/ month

Or $96/year
Buy online in minutes!
4.9/5
4.9/5

Beauty Liability Insurance From BBI

You’re dedicated to helping clients look good — and feel amazing! Beauty & Bodywork Insurance (BBI) protects you while you work your beauty magic.

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.

“Covered” Looks Great on You

You’re a pro, but sometimes things don’t go according to plan. BBI can help you with claims like these.

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.

“Covered” Looks Great on You

You’re a pro, but sometimes things don’t go according to plan. BBI can help you with claims like these.

Client slipped in salon due to a wet floor - $483 Allergic reaction to a beauty product- $1,247 Damage caused after beauty accident - $1,782 Client injured during beauty services - $2,369 Tools damaged and/or stolen- $4,237 Medical expenses from beauty session - $17,476

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.

What is Beautician Insurance?

Beautician insurance is designed to keep you from paying for expensive claims related to your work. Allergic reactions to hair dye, unmet client expectations, property damage — a lot can go wrong! Beauty therapy insurance ensures your business can continue running smoothly when accidents happen.

BBI’s policy includes:

  • General liability insurance for general third-party claims related to your business operations, like client slip-and-falls or client property damage.
  • Professional liability insurance for claims specifically related to your professional services, such as mistakes during treatment or recommendations that end up causing harm.
  • Products and completed operations coverage for the products you use and for your services once they’re complete (say a client has a negative reaction to the makeup you used after they leave your chair).
  • Personal and advertising injury coverage for claims of non-physical injury, including libel, slander, and even advertising mistakes.
  • Fire legal liability insurance for your rented station or salon suite in case of accidental damage.
  • Medical expenses to quickly pay for client medical bills if they get hurt — even if it’s not your fault!


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Do I Need Beautician Insurance?

Yes! You need insurance to financially protect your business. In fact, most salons, spas, and other locations will require you to carry insurance and list them as additional insureds before allowing you to work on their premises.

No matter how careful you are, you’re always at risk of client injury. With BBI’s comprehensive coverage, you can focus on your passion for beauty without worry.

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How Much Does Beautician Liability Insurance Cost?

BBI’s coverage starts at just $9.99/month — or save nearly 20% with one yearly payment of $96. You get $2 million in coverage for each claim and $3 million in coverage for the whole year.

Our base policy can be customized with optional add-ons, so you pay only for what you need!

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Mobile Beautician Insurance

Glow-ups on the go? BBI covers your mobile and freelance beauty therapy services. Our beautician insurance protects you wherever you work — whether in a salon, at events, or at home — so you and your clients are always covered.

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Quote-Free Insurance for Beauty Therapists

Over 63,000 professionals just like you trust BBI to keep their hard work protected. Peace of mind is just a few clicks away.

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

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

Any One Person: $5,000

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 beautician insurance policy comes standard with the coverages listed in the chart above. For further protection, select from these add-on coverages.

$2 – $5.50 / month

Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.

Good for: covering your makeup kit, hot tools, products, business tablet, and more.

One additional insured | $15 per year
Unlimited additional insureds | $30 per year

Adding additional insureds extends your policy coverage to qualified third parties you add to your policy who may be affected by claims brought against your business.

Good for: meeting the requirements of salon owners, landlords, and more.

$6.58 / month

Cyber liability coverage can pay for claims arising from cyber attacks on your business.

Good for: beauticians who book clients or accept payments online.

$2.92 / month

These endorsements (policy modifiers) provide coverage for more specialized services you offer through your practice. Some exclusions apply.

Good for: beauty therapists who also offer cupping or microcurrent treatments.

Additional FAQs About Beautician Liability Insurance

You sure do! Most BBI policyholders get covered because they’re required to by the salons they rent out of. Without insurance, you’ll need to pay for claims on your own, and those numbers add up quickly!

 

Though it’s not required by any state, carrying liability insurance is highly recommended. Working with clients’ hair, skin, and nails comes with inherent risks. If you want to protect yourself and signal to clients that you take your work seriously, getting covered is essential!

 

This Could Be You

Check out what our happy policyholders have to say.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

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!
Camille
CamilleNail Tech
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"Easy to understand"

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!
Kris Christy
Kris ChristyMassage Therapist
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
Latoya Mosley
Latoya MosleyLash Artist
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
Autumn ZebroffEsthetician
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"Super fast online purchase."

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.
Jillian Walsh
Jillian WalshSpray Tanning
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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