Esthetician Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
What Services Does Esthetician Insurance Cover?
We’ve got you covered for your most requested esthetic treatments and beyond:
Common Questions about Esthetician Insurance
What is Esthetician Insurance?
Esthetician insurance is coverage designed to protect you from paying for expensive claims and lawsuits related to your work. Just like healthy skin is the foundation of beauty, insurance lets you start each session from a place of safety and confidence, no matter what the day brings.
From a peel gone wrong to slips and falls at the salon, injury and property damage lawsuits can get ugly. Delicate esthetics treatments have a small margin for error, so you need insurance sensitive to your unique risks. We’re by your side with essential coverages to keep your business healthy and protected.
What Types of Coverage Are Included in Esthetician Liability Insurance?
Your BBI policy gets you affordable general and professional liability insurance for estheticians without strings attached (like membership fees and extra requirements.) A base policy includes these core coverages:
- General Liability Insurance: coverage for third-party (clients and others) injury and property damage claims
- Professional Liability Insurance: protection against lawsuits that claim you gave bad advice, made a mistake, or that a client is unhappy with your services
- Personal and Advertising Injury: coverage for advertising mistakes and non-physical injuries (like copyright infringement and slander)
- Fire Legal Liability Coverage: protection against paying for accidental fire damage to a salon booth or other space you rent
- Products and Completed Operations: coverage for your services once they’re finished or for products you use during treatments
How Much Does Insurance For Estheticians Cost?
Our base esthetician insurance policy costs $9.99/month, or you can save almost 20% with a $96 annual policy. BBI specializes in insurance for beauty professionals, so we keep your prices low, your limits high, and your profits in your pocket with just the coverages estheticians need – no more, no less.
Why Should I Get Insured with BBI?
This is esthetician insurance you can rely on. Here’s what you can expect from BBI:
- Excellent-rated carrier
- Fully customizable policy
- High coverage at a low cost
- 24/7 online policy management
- Quick, easy claim-filing process
- Coverage that goes where you go
- Industry-preferred occurrence coverage*
- Meet salon or spa requirements with COI
- Licensed support agents waiting to help you
- Plus much more — join over 63,0000 happy BBI beauty pros today!
*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.
Optional Add-Ons
Your signature services and unique setup are what make you stand out. Some coverages aren’t for everyone, so we let you opt in to pay for extras outside your base policy. Customize your insurance to fit your business like a glove with these optional coverages:
$2/month + options for more coverage
Payment for supplies that are lost, stolen, or damaged – either at the salon or in transit
Good for: covering your facial beds, light therapy tools, business phone, and more
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Coverage for third parties who might be affected by a lawsuit against your business
Good for: meeting the requirements of a salon, landlord, or venue
$6.58 / month
Protection for lawsuits that come from a cyber attack
Good for: estheticians who book clients, accept payments, or store client info online
$2.92 / month
Coverage for accidents resulting from specialized methods
Good for: estheticians who offer dry cupping or microcurrent treatments
What Are Some Examples Of Covered Claims?
Each policy has coverage specifics, but here are some real claims BBI has covered. With esthetician liability insurance, it’s your turn to glow with confidence.
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.
Each policy has coverage specifics, but here are some real claims BBI has covered. With esthetician liability insurance, it’s your turn to glow with confidence.
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.
Applying for Insurance Made Simple
It really is this easy. Our quote-free esthetician insurance application gets you protected in minutes and back to making clients feel gorgeous.
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.
More FAQs About Esthetician Insurance Coverage
Do I Need Esthetician Liability Insurance?
To put it simply, yes. Because you are working on people’s skin, you will want to be protected if they have an allergic reaction or sustain other injuries from your treatments and day-to-day business operations. The costs of medical care, legal defense, and more can add up quickly, draining both your business and personal assets.
You also may be required to have professional liability insurance for estheticians if you rent space at a spa or salon, and they may even require you to list them as an additional insured on your policy.
When Will My Esthetician Insurance Policy Be Active?
You can get same-day coverage and instant proof of insurance from your online dashboard after buying a policy. Cart to covered only takes a few minutes if you qualify, but you can also set coverage to start up to 30 days after you buy.
Why Would an Esthetician Need Product Liability Coverage?
Your esthetician liability insurance covers products you use during treatments, but if you sell or distribute products for later, it’s time for product liability insurance. Say clients love your self-tanning lotion and you’re thinking about selling it – product liability makes sure you’re covered against risks like allergic reactions and defective packaging.
Contact us to get your sales side hustle protected with product liability coverage.
Is Mobile Esthetician Insurance Included?
Esthetician insurance from BBI includes mobile businesses, so you can take services directly to your clients. You’re protected on the road, in the salon, and everywhere in between for no extra charge.
And you’re covered across the nation (though we’re currently not for sale in Missouri). Be sure to keep your address updated in your online dashboard, and you’ll be all set to keep doing what you love!
What Do I Need to Fill Out an Application for Esthetician Insurance?
Here’s a list of things we’ll ask for when you fill out an online application:
- Policy preferences (Click on the policy you want and opt in or out of extra coverages.)
- Personal info (Tell us your name, address, and some info about your business.)
- Business activities (What services and activities are part of your business?)
- Claim history (Have you ever submitted a claim to insurance before?)
- Additional insureds (Who else needs their name on this insurance policy?)
- Payment info (How would you like to buy your coverage?)
It’s that easy. You can skip the sales pressure and waiting around for quotes – it take 10 minutes or less to get quality insurance and get back to making your clients glow.
You're in good hands.
Here’s what other people have to say about their experience from over 420+ available reviews.
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!
