Cosmetology Insurance
Helping people feel beautiful and become their best self is the center of your profession—and making sure you’ve got the correct coverage is the center of ours. No matter how prepared you are as a licensed cosmetology professional, you still face risks each day while on the job and accidents can always happen.
$9.99/ month
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$15 per Additional Insured or $30 for Unlimited
Cosmetology Insurance For Professionals
Whether you need mobile cosmetology insurance or coverage as an independent contractor in a salon, Beauty and Bodywork Insurance (BBI) has the coverage you need.
What Services Are Covered With BBI Cosmetology Insurance?
BBI policies cover several cosmetology modalities on a single policy for one low price. Some of the most popular methods include:
Accidents Can Cost You
As a professional, you do your best to avoid accidents, but they still happen. Here are some common claims you could face as a cosmetologist and the liability costs BBI could help cover.
As a professional, you do your best to avoid accidents, but they still happen. Here are some common claims you could face as a cosmetologist and the liability costs BBI could help cover.
Common Questions About Cosmetology Liability Insurance
Our certified agents are always ready to answer your cosmetology insurance questions. Here are the answers to some of our most frequently asked questions.
What is Cosmetology Insurance?
Cosmetology liability insurance, also known as public liability insurance, helps you protect your business’ finances from bodily injury, property damage, and professional liability claims.
Insurance for cosmetologists can cover everything from damages to clients’ property to injuries that occur during services and more. With comprehensive liability insurance in place, you’re free to provide your services without worrying about what might happen to your business or clients in the event of an accident.
Why Should I Get Cosmetology Liability Insurance with BBI?
BBI provides affordable, best-in-class insurance policies for professional cosmetologists. We know that any cosmetologist’s main goal is to stay busy, so we work hard to get you insured quickly with flexible, hassle-free policies.
After you fill out your application, you can receive immediate coverage and access to your online dashboard. BBI allows you to select the date you would like your policy to begin and cancel your policy at any time.
With BBI, you don’t have to join an association or pay a membership fee, like other insurance options require you to do. You only pay the annual or monthly amount for your cosmetologist liability insurance policy, without having to worry about other fees.
WHAT ARE THE BENEFITS OF BBI’S COSMETOLOGY INSURANCE?
Here’s a list of benefits and why BBI would be a great insurance provider for your cosmetology business:
- BBI is A+ Rated
- Our easy, online process takes less than 10 minutes to complete and you’ll receive immediate coverage and access
- We offer 24/7 access to your insurance policy with your online user account
- Filing a claim with BBI is quick and easy
- Check, edit, and make changes to your policy at any time
- You have the ability to add additional insureds to your policy at any time
- Our base policy is affordable, starting at just $9.99/month or $96 / year for professional cosmetologists
- Available endorsements if you need additional coverage
If you have any questions, you can chat with one of our certified insurance agents online or give them a call. We are happy to help you find the right policy for the specific cosmetology services you provide.
Quote-Free Application Process for Cosmetology Insurance
Join the tens of thousands of cosmetologists nationwide who have found peace of mind by purchasing liability coverage from BBI.
Join the tens of thousands of cosmetologists nationwide who have found peace of mind by purchasing liability coverage from BBI.
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.
Other Common Cosmetology Insurance Coverage Questions
Do I Need Cosmetology Insurance?
Depending on the location of your practice, you may or may not be legally required to have liability insurance for beauty professionals. However, you assume total risk without it and may be responsible for paying all claims-related costs out-of-pocket.
In a profession where you work closely with clients using tools and chemicals, it’s always better to be safe than sorry. Getting cosmetology liability insurance will give you the peace of mind you need to do your best work.
Independently contracted or employed cosmetologists aren’t the only ones who ought to be insured. If you are a mobile or freelance cosmetologist, it’s also crucial to protect yourself from lawsuits since your personal financial assets may be at risk if you are sued. With the right cosmetology insurance, medical care, legal fees, repairs, or other claim expenses may be covered.
What is Included in Cosmetology Liability Insurance?
Standard cosmetologist insurance policies include:
- General Liability Insurance: This policy covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.
- Professional Liability Insurance: This policy covers claims of professional misconduct, such as sexual harassment. It can also help protect you if you’re accused of causing physical harm to a client.
- Personal and Advertising Injury: This coverage can help protect you if you’re accused of libel, slander, or false advertising.
- Damage to Premises Rented to You: This coverage can help reimburse you for the cost of repairing or replacing damaged property. If you’re a mobile massage therapist, this coverage helps protect your while on the road.
Additionally, you can opt to include the additional coverages through our insurance endorsements.
How Much Does Cosmetology Liability Insurance Cost?
Cosmetologists can purchase insurance for $9.99/month or $96 per year. This price includes $3 million in general & professional liability coverage. You are eligible to purchase this coverage as long as your services do not include any of the excluded methods listed on our site.
And for an additional $13 annually, we’ll provide $2000 in coverage for your tools and supplies in case of damage or theft through our tools and supplies coverage (also referred to as inland marine coverage). You can also add one additional insured for $15 or an unlimited number of additional insureds for $30 per year.
The best part? Your application can be completed in ten minutes or less.
What Are Some Common Cosmetology Claims?
We know that as a trained cosmetologist, you do your best to keep your clients safe and satisfied.
Unfortunately, no matter how careful you are, accidents are still bound to happen no matter how experienced you are. Here are some examples and situations where a cosmetologist might be held liable for a claim:
- You could be held liable for any harm done to your client. For example, if, while installing eyelash extensions, you accidentally scratch your client’s eye with tweezers, you could be held responsible for paying their medical bills and further damages. Make sure you always practice with care and focus on the quality of work you provide and not the quantity of clients you need to visit.
- You can also be held responsible for any harm that is caused to your client while they are on your property. If they slip and fall while at your place of business, for example, you can be held liable for any medical bills or other expenses.
- If a client develops an allergic reaction or a rash to makeup or other products used on their skin during your services, you can also be held responsible if they file a claim. In this case, products & completed operations coverage can protect you from having to pay out of pocket.
When’s the Best Time to Purchase Cosmetology Insurance?
The moment you start practicing cosmetology, you assume risk—so be proactive by getting cosmetology liability insurance. As a self-employed professional, it is your responsibility to hold the liability for your business and for yourself. Also, keep in mind that if you are renting space at a salon, they will most likely require you to add the salon as an additional insured to your insurance policy.
What Are the Most Important Types of Insurance for Cosmetologists?
Regardless of your work setting, it’s important for professional cosmetologists to have insurance, specifically general and professional liability insurance.
General liability insurance, also known as “slip-and-fall insurance,” protects against exactly that, incidents like slipping and falling or other accidental injuries. If a client trips over your chair and injures themselves, for example, general liability insurance can protect you against any possible lawsuits.
Professional liability insurance provides protection if a client sues you specifically for damages resulting from the treatment you provided. This type of insurance is also commonly referred to as malpractice insurance. Essentially, if a client is injured by a cosmetology treatment that you provide, malpractice insurance for cosmetologists would protect you.
BBI’s cosmetology liability insurance provides both general and professional liability at a $3,000,000 aggregate limit and an occurrence limit of $2,000,000.
Finally, product liability insurance is another useful policy as it protects you from claims arising from the use of products you sell or use in your business, like if a client has an allergic reaction to a hair dye you used. These incidents become completely out of your control and being insured in these cases will protect your reputation and services.
Is Mobile Cosmetology Insurance Included?
If you’re planning on taking your cosmetology business on the road, BBI has you covered! A BBI cosmetology insurance policy includes mobile insurance, allowing you to take your services directly to your clients instead of working in a salon, all while having coverage. This means all of our self-employed cosmetologists will be protected anytime they go see a client—no matter where they are.
Should I Get Cyber Liability Insurance?
If you store any client information on your phone or computer (like names, addresses, or credit card numbers) it’s highly recommended that you purchase cyber liability insurance. This can be added on to your base policy for just $79 per year and provides $100,000 in coverage.
Nearly 1 in 4 businesses have experienced a cybersecurity event. If a hacker accessed your clients’ personal information, it could cost you thousands of dollars and, potentially, your reputation.
Buy PolicyWhat Do I Need to Fill Out an Online Application?
Applying online is easy and only takes 10 minutes. The best part is that you don’t need to waste time requesting a quote!
When filling out your application for cosmetology liability insurance, be sure to have this information on hand:
- Your policy preferences (as well as any endorsements you’d like to include)
- Personal information (name, address, business information)
- Which business activities you will be performing
- Claim history
- Additional insureds (if you’d like to add any)
- Payment information
You're in good hands.
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