New York Beauty Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Cosmetology & Esthetician Insurance in New York
With coverage from Beauty & Bodywork Insurance (BBI), keep your focus on helping clients look and feel their absolute best. Your business is protected from liability claims in the Empire State and across the U.S.
Program Benefits
- Instant coverage
- Excellent-rated carrier
- Real humans ready to help
- Occurrence-based coverage*
- Limits you never have to share
- Monthly or yearly payment options
- 24/7 online access via user dashboard
- Option for unlimited additional insureds
- Multiple tools and supplies coverage tiers
- Single policy covers your whole beauty menu
- On-the-go coverage for all your work locations
- Plus much more!
*If you buy your policy after July 1, 2024, your policy includes occurrence-based coverage.
Beauty Services We Cover in New York
Your state has a lot to offer – upstate forests, Times Square, and the Statue of Liberty, to name a few! Your beauty service menu does, too. Get peace of mind with New York beauty insurance from BBI for all your modalities, including:
Coverages & Pricing
Please note these are brief definitions of coverages and your policy may be more restrictive in its language. You must refer to the actual policy for a complete description of coverages and exclusions.
AGENT RECOMMENDED
Professional Liability policy
For professionals who work in the beauty and bodywork industry
$9.99/ month
General & 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
Optional Add-Ons
Additional Insureds
$15 per | $30 unlimited
Tools & Supplies Coverage
$2 – $5.50/ month
Cyber Liability Coverage
$6.58/ month
Cupping or Microcurrent Coverage
$35/ year
Acupuncture Coverage
$403/ year
Learn more about our coverage details or optional add-ons.
No quote process • Instant coverage • Top-rated insurance Carrier
Resources for New York Beauty Professionals
Beauty Industry Fast Facts
New York cosmetology employment statistics as of July 2024:
Average hourly base salary: $20.17
Average yearly base salary: $46,807
Highest-paying city for cosmetologists: Nanuet
Source: Indeed
New York esthetician employment statistics as of July 2024:
Average hourly base salary: $23.17
Average yearly base salary: $42,188
Highest-paying city for estheticians: Williamsville
Source: Indeed
New York Beauty License Guidelines
To offer beauty services in New York, you must obtain a license from the New York Department of State Division of Licensing Services. Be sure to check for the most up-to-date guidelines when you’re applying for a license.
These are the main steps to become licensed:
- Be at least 17 years old.
- Get examined and obtain a health certification.
- For cosmetology: complete 1,000 hours of training at a state-approved cosmetology school.
- For esthetics: complete 600 hours of training at a state-approved esthetician school.
- Complete a course on domestic violence and sexual assault awareness.
- Apply for a temporary license to work under supervision while waiting to take your exams.
- Pass both written and practical exams.
- Apply online for your license.
- Pay the required fees.
For more information, visit the New York Department of State Division of Licensing Services. Or check out this list of modalities you can perform with a cosmetology or esthetician license.
More Helpful Links
Learn more about cosmetology and esthetics in New York with these resources, including some how-to guides from the BBI blog!
Do I Need Insurance to Practice Cosmetology in New York?
It may not be required by the state, but you do need beauty insurance to protect your business. Carrying liability insurance keeps you from having to pay for expensive damages on your own. That means you won’t have to put appointments on hold to sort out claims like clients getting hurt during your services or saying you failed to meet their expectations.
In addition, salons, spas, and other venues typically require you to get insured and list them as an additional insured on your policy before bringing you on board.
For peace of mind, meeting employment requirements, and as a signal to your clients that you’re a professional they can trust, it’s a smart choice to get beauty insurance in New York.
What Does Beauty Insurance Cover?
Beauty insurance covers you for liabilities associated with your work. This includes slip-and-falls in your booth, clients unhappy with your services, and even advertising mistakes.
BBI’s professional policy includes:
- General liability insurance
- Professional liability insurance
- Personal and advertising injury coverage
- Products and completed operations coverage
- Fire legal liability coverage
- Medical expenses limit
All the essential coverage, plus options for add-ons if you need them!
Why Choose BBI for Cosmetology Insurance in New York?
You’re in the business of beautifying. BBI empowers cosmetologists, estheticians, and other licensed pros like you to work your beauty magic – without worrying about the risks associated with your services.
Get insurance for estheticians in New York that’s easy, affordable, and designed with the industry-preferred coverage you need. BBI’s got you covered.
Our Happy Policyholders Say It Best
Read from over 420+ reviews.
“What an easy experience online to get all set up and feel secure starting up my new business. THANK YOU BBI for making this LMT one happy customer.”
“Excellent insurance, compatible price, great coverage. The best customer service. Highly recommend!
“I can’t say enough great things about this company. Every time I’ve had to talk to someone in customer service, they have been more than helpful.
