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Best Insurance for Estheticians June 2024

Protect your business with policies made for the beauty industry.
Quotes available through: Simply Business
BBB Acredited Business
1144 reviews
  • Esthetician insurance is a type of business insurance that protects estheticians against financial liabilities, such as client injuries or property damage.
  • Professions that need esthetician insurance include cosmetologists, massage therapists, skincare specialists, spa owners and therapists, waxing service providers, and medical estheticians.
  • General and professional liability, workers’ compensation and commercial property insurance are common types of insurance for estheticians. You can customize your coverage according to your needs and budget.
  • When buying esthetician insurance, evaluate your business risks and compare multiple quotes to find affordable coverage that suits your needs.

Esthetician insurance is designed to protect business owners who provide skin care, hair care, and beauty treatments. It covers many risks associated with running a business, such as client injuries, property damage and professional liability. The best esthetician insurance lets you customize coverage to fit your specific risks while offering easy policy administration and reasonable premiums and deductibles.

Our top picks for esthetician insurance

Advertiser Disclosure

Preferra Insurance Company RRG

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability, Professional Liability

Why We Like It

Preferra offers high level General Liability and Professional Liability coverage for social workers, and health & wellness professionals.

Preferra’s plans are specifically tailored to offer high-quality and robust ($3 to $4 million) coverage limits.

Preferra is more than an insurance company. It understands the specific needs of health workers. In fact, their oversight board is made up not only of insurance experts but also social workers who understand the health and wellness field better than anyone. With social workers onboard, they always work toward the needs and interests of its clients.

This allows you peace of mind to focus on what matters most – helping your patients and clients.

Coverage Highlights

General Liability Coverage through Preferra offers access to:

  • $1 million occurrence limit & $3 million aggregate limit

Professional Liability Coverage through Preferra offers your choice of access to:

  • $1 million occurrence limit & $3 million aggregate limit
  • $2 million occurrence limit & $4 million aggregate limit

Arch Insurance America

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AMB Financial Strength
A+ (Superior)
Specialized for:
Professional Liability

Why We Like It

Arch offers tailored professional liability insurance for small businesses in a variety of industries such as:

  • business consultants
  • professional services
  • health & wellbeing services

Arch offers unique coverage options which include a range of extra coverages not common to most professional liability plans. This makes it a great provider for small businesses that may need added protection.

Once signed up, customers love Arch’s local approach. The company is based out of New York but has several local offices throughout the US.

Arch also boasts a strong financial rating of A+ from AM Best and is backed by over $14 billion in funding making it a solid insurance firm.

Coverage Highlights

With Professional Liability through Arch, you can gain access to your choice of:

  • $1 million claim limit & $1 million aggregate limit
  • $2 million claim limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in Bodily injury & property damage coverage
  • $25k in Data incident response expense coverage
  • $25k in Non-party investigation expense coverage
  • Blanket Additional Insured endorsements (optional)

Hiscox Insurance

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AMB Financial Strength
A (Excellent)
Specialized for:
General Liability, Professional Liability, Business Personal Property

Why We Like It

Hiscox is one of the largest insurance providers in the US and operates in all 50 states. It offers serval types of coverage options to suit your needs including:

  • General liability insurance
  • Professional liability insurance
  • Business personal property insurance (add-on)

Hiscox specializes in insurance for small and micro-businesses and its robust coverage options are available for tons of business types & trades. Hiscox also has over 120 years of experience behind its name as part of the original Lloyds group from 1901. This long track record speaks volumes for how trustworthy Hiscox is.

Coverage Highlights

General Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $2 million aggregate limit
  • $2 million occurrence limit & $3 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments
  • Blanket Additional Insured endorsement (automatically included)
  • Waiver of Subrogation endorsement (optional)

Professional Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $1 million aggregate limit
  • $2 million occurrence limit & $2 million aggregate limit
  • $3 million occurrence limit & $3 million aggregate limit

Business Personal Property add-on:

  • Business Personal Property coverage is available as an add-on to your Hiscox General Liability policy
  • Choice of coverage limits: $5k, $10k, $15k, $20k, or $25k

Harborway Insurance

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AMB Financial Strength
A+ Superior)
Specialized for:
General Liability, Inland Marine

Why We Like It

Harborway is a lesser-known provider that offers specialized coverage for:

  • General liability insurance
  • Business personal property insurance
  • Inland marine insurance

This provider offers great coverage for equipment and items you transport or store off-premises makng is great for companies that send employees to work off-site or occaisionally do field work.

While Harborway isn’t an AM Best rated company, it is reinsured by Munich Re which has an AM Best financial strength rating of A+.

Coverage Highlights

General Liability Coverage through Harborway offers access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises;
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsement (automatically included)
  • Contractors’ Errors & Omissions endorsements (optional)

Business Personal Property Coverage through Harborway offers access to: *Property limits of $5k, $10k, $15k, $20k, $25k, and $50k *Blanket Additional Insured endorsement (automatically included)

Inland Marine Coverage through Harborway offers access to:

  • $5k or $10k coverage limits on inland marine property
  • Blanket Additional Insured endorsement (automatically included)

Accredited Insurance

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability

Why We Like It

Accredited Insurance is backed by the massively-known Travelers Insurance with whom it co-built a General Liability policy tailored specifically for small businesses.

Accredited offers insurance in all 50 states as well as Washington DC and has been in business for over 50 years. The company has proven itself for its high-quality service, stability, and integrity.

Accredited also has a strong financial strength rating of A- from AM Best. This means you can rest easy knowing that you will be supported by a strong company should anything go wrong.

Coverage Highlights

Contractors opting for General Liability through Accredited gain access to:

  • $1M Occurrence limit & $2M Aggregate limit

Non-contractors have the option of plans ranging from:

  • $100k occurrence limit & $300k Aggregate limit
  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsements (optional)

Travelers Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Professional Liability

Why We Like It

Travelers is one of the largest insurance providers in the US and offers nationwide business insurance coverage.

Travelers can offer many different types of coverage for businesses of all sizes but is specifically well suited for Professional Liability plans for companies in the fields of:

  • Accounting
  • Bookkeeping
  • Tax Preparation

Travelers is a great choice for professional liability backing thanks to the brand’s nationwide coverage, 160 years of expertise, and top financial rating of A++ from AM Best.

Coverage Highlights

Professional Liability Coverage through Travelers offers access to:

  • $1 million occurrence limit & $1 million aggregate limit

Optional add-ons include:

  • Defense Outside Limits coverage

Cerity

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AMB Financial Strength
A- (Excellent)
Specialized for:
Workers’ Compensation

Why We Like It

Cerity offers affordable workers’ compensation policies and can cover various types of businesses and industries. As a major insurance provider in the US, Cerity is known for its:

  • Low prices
  • Simple policies
  • Same-day coverage

When you sign up for a workers’ comp policy through Cerifty, you get same-day coverage and proof of insurance. This means you can get your business started faster with very little lag time.

Cerity is a well-known provider in the insurance industry and has an AM Best financial strength rating of A- (Excellent), as well as 4.4 stars on Trustpilot. Cerity is offered nationwide in all states except Ohio, North Dakota, Washington, and Wyoming (where private worker’s comp is not legally sold).

Coverage Highlights

Workers’ comp coverage through Cerity offers access to:

  • Bodily Injury by Accident at $1M per accident
  • Bodily Injury by Disease at $1M per each employee, subject to a $1M policy limit

Other coverage highlights for workers’ comp from Cerity include:

  • Statutory Workers’ Compensation coverage
  • Customers have the option to include or exclude the owner in coverage when permitted under state law

biBERK Business Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Workers’ Compensation

Why We Like It

biBerk is a subsidiary of the famous Berkshire Hathaway Insurance Group. As part of Berkshire Hathaway, biBerk is automatically backed by an A++ AM Best financial rating and over 75 years of experience in the insurance industry. This ensures you will get reputable service and solid coverage you can rely on.

The provider specializes in Workers’ Compensation coverage for small businesses across all US states except OH, ND, WA, and WY.

A major highlight of biBerk is that workers’ comp is available to sole proprietors and multi-employee businesses.

Coverage Highlights

Workers’ Comp coverage through biBerk includes Employers’ liability limits for:

  • Total policy limit of $500k
  • Bodily Injury by Accident at $100k/accident limit
  • Bodily Injury by Disease at $100k/employee limit
  • Coverage for the owner (optional depending on state law)

Other plan highlights:

  • biBerk’s Workers’ Comp plans offer statutory Workers’ Compensation coverage. This means that the employee is not required to prove that their employer is at fault to receive compensation.

USG Insurance Services, Inc.

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AMB Financial Strength
A- (Excellent)
Specialized for:
Cyber Liability

Why We Like It

With the growing need for cyber security coverage, look no further than USG Insurance Services, Inc.

USG offers top-notch Cyber Liability insurance to protect small and micro-businesses from cyber-attacks and data breaches originating from outside your company.

Plans are available for a broad range of business types and come backed by North American Data Security as well as a solid AM Best financial rating of A-. USG operates 20+ branches across the country, meaning you’re sure to have a regional or local office nearby to support you with queries and account management help when needed.

Coverage Highlights

Cyber Liability Coverage through USG offers access to:

  • $250k occurrence limit & $250k aggregate limit

Other coverage highlights for Cyber Liability include:

  • $1k deductible
  • $250/year flat rate of coverage
Own a business? Protect it with a top insurance policy. Suitcase and Shield With Checkmark GET A QUOTE

What is esthetician insurance?

Esthetician insurance is a type of business insurance that protects you against the risks of working in the beauty, spa, and wellness industries.

It typically provides coverage for claims related to bodily injury, property damage, or personal injury caused by your professional services. It may also cover legal fees that result from these claims.

Esthetician insurance is typically a combination of different business insurance policies, such as general liability, professional liability, commercial property, and workers’ compensation coverage. The specific types of coverage you need depend on your particular practice and the risks your business faces.

Professions that need esthetician insurance

Some common professions in the health, wellness, and beauty industry that should have esthetician insurance coverage include:

Some states legally require cosmetology insurance as a condition of professional licensing. However, even if you aren’t required to have insurance to operate, it’s still recommended that you carry appropriate and adequate coverage to protect you and your business from the specific risks you may encounter.

If you need help finding the right coverage, an insurance professional can help you understand your coverage needs and options.

(855) 843-2963

Call to discuss what type of business insurance is right for you.

Why do estheticians need insurance?

You need esthetician insurance to protect yourself from financial losses that may result from claims related to injuries or damages caused by your professional services.

As an esthetician, you may offer services like skincare treatments, facials, and waxing. While these services can help clients feel and look better, they can also lead to injuries, infections, or other complications, which could result in a lawsuit.

For example, if you accidentally burn a client during a facial treatment and they sue you for damages, your insurance policy could cover the costs of the lawsuit and any damages. Without insurance, you would be responsible for paying these costs out of pocket.

Ultimately, esthetician insurance can give you a sense of security in knowing that your business and financial well-being are protected in case of a lawsuit or claim.

What kind of insurance do estheticians need?

Esthetician insurance often combines several types of coverage to protect you against a wide range of claims. The kind of coverage you needs depends on the risks you face.

These are the most common kinds of insurance that you may need as an esthetician:

Advertiser Disclosure
Protects estheticians from claims of bodily injury and personal/advertising injury.
Examples of coverage:
  • Client injuries at your workplace (for example, slipping on a wet floor)
  • Advertising injuries/libel
Protects estheticians against claims of business negligence or malpractice, as well as lawsuits resulting from errors or omissions of information.
Examples of coverage:
  • Failure to meet the client's treatment expectations
  • Client injuries due to malpractice (for example, having an allergic reaction to a product)
Covers estheticians and their employees from financial losses & liability if they become injured or ill due to work-related causes.
Examples of coverage:
  • Medical expenses if you or your employees get injured at work
  • Lost wages from being unable to work
Covers physical assets like merchandise, beauty products, & estheticians’ equipment when in transit over land or temporarily stored at off-site locations.
Examples of coverage:
  • Replacement of esthetician equipment or merchandise lost in transit
  • Repair of esthetician equipment or products damaged in transit
Covers damage, loss, and theft of physical assets at a business’ primary location. It covers items like esthetician equipment, merchandise, and products, but does not cover the building.
Examples of coverage:
  • Replacement of stolen esthetician merchandise & products
  • Repair of damaged esthetician equipment & tools
Protects companies’ data & intellectual property from cyber-related risks such as financial losses caused by cyber-attacks, external data breaches, etc.
Examples of coverage:
  • Data recovery costs
  • Legal fees

General liability

It protects your business from financial losses resulting from accidents that happen on your premises or as a result of your services. It can cover claims related to bodily injury, property damage, and advertising injury, as well as cover any legal fees associated with the claim.

For example, if a client slips on a wet floor at your salon, general liability insurance can help cover their medical bills and any legal fees that may result from a lawsuit.

Professional liability (E&O)

Professional liability insurance, also known as errors and omissions (E&O) insurance, protects you from the cost of settling or defending against claims resulting from alleged negligence, errors, or omissions in your work.

Let’s say a client accuses you of providing a low-quality treatment that does not meet their expectations. Professional liability insurance may cover any legal expenses or settlements resulting from the accusation.

This kind of coverage helps to limit the fiscal impact of potentially significant sums should a claim be made against your practice for rendering services that caused harm to clients.

Workers’ compensation

Workers’ compensation insurance is another essential form of coverage for any business — particularly for those with employees. It ensures your employees receive financial compensation should they become sick or injured while on the job. Workers’ compensation insurance covers their medical costs, lost wages, and other expenses related to on-the-job injuries or illnesses.

Unlike other forms of business insurance, workers’ comp is legally required in almost all states (except Texas) for any business with employees. Even if you don’t have employees, you can still take out a workers’ comp policy to protect yourself if you get hurt or sick while working.

Commercial property

Commercial property insurance covers your business’s physical property and assets, such as the building and equipment. If your property is damaged or lost due to things like fire, theft, vandalism, natural disasters, or other hazards, commercial property insurance can cover the replacement or repair costs.

For example, if a power outage damages the electrical system or equipment at your salon, commercial property insurance could help pay for repairing or replacing the damaged property.

This type of coverage is especially important if you own or lease your business space or if you use expensive equipment. In the case of an unforeseen event, it can help you get back up and running fast.

What does esthetician insurance cover?

Some common things esthetician insurance protects against include the following:

The specific coverage included in your insurance depends on the insurance provider and the level of coverage selected.

Typically, esthetician policies include some form of general liability and professional liability coverage. General liability insurance covers third-party claims for bodily injury, property damage, and advertising injury. Professional liability insurance covers claims for professional errors or negligence.

You may also include other types of coverage depending on the daily risks you face. If you need help deciding what type of coverage to get, an insurance professional can you assess your needs and options.

(855) 843-2963

Call for help to decide what type of business insurance you may need.

Real-world examples of covered claims

Because esthetician insurance protects against a wide range of risks based on the particular types of coverage included, you can file many different types of claims using an insurance policy.

Here are a few real-world examples of claims that could be covered using an esthetician policy:

What is not included in esthetician insurance?

While it covers many risks, esthetician insurance doesn’t protect against everything.

For example, general liability does not cover claims or losses that result from gross employee negligence or intentional wrongdoing. Similarly, if you were aware that your work did not meet professional standards, any losses related to it would not be covered by professional liability insurance.

Ultimately, coverage depends on the policy. That’s why choosing an option that covers your specific risks is important. Sometimes, it may be necessary to get policy add-ons to provide coverage tailored to your specific circumstances.

How much does esthetician insurance cost?

Typically, you can expect to pay $500 to $1,500 per year for basic esthetician insurance.

However, if you have employees or need more comprehensive coverage, you can expect to pay $2,500 or more per year for coverage.

The cost of insurance varies based on several factors, including the amount and types of coverage included, the size and location of your practice, your claims history, and your annual revenue.

Some factors that impact the cost of esthetician insurance include:

(855) 843-2963

Call for a personalized comparison and free quote.

What should I consider when choosing an insurance provider?

When shopping for insurance, look for a provider that offers the coverage you need at an affordable price. You’ll also want reliable customer service should you need to file a claim.

Consider these factors before choosing an insurance provider:

Estheticians face unique risks Keep your business protected with a customized insurance policy. Suitcase and Shield With Checkmark GET A QUOTE

FAQ: Esthetician insurance

What is product liability insurance and why do estheticians need it?

Product liability insurance protects against claims related to products sold or used in customer treatments. This coverage may be included in a general liability policy. It can help protect you if a client files a claim alleging that the product used during treatment caused injury, illness, or other damages. Product liability policies may also cover legal defense costs associated with defending against such a claim.

Can you get esthetician insurance while you’re still in school?

While it’s possible to obtain esthetician insurance while still in school, many insurance companies require a certain level of experience before you can purchase coverage. Depending on the provider and where you’re located, there may be options specifically for student estheticians.

Does esthetician insurance cover my supplies?

Esthetician insurance typically covers your business supplies and equipment. It may be included as part of your general liability, inland marine, or commercial property coverage. The exact type of policy you need depends on how you use your products and where you store them.

It’s important to check with your provider to understand the extent of the coverage. Some policies may have exclusions or limitations on certain types of property or may require add-ons to ensure full coverage for your supplies.

Is esthetician insurance necessary if you rent a salon booth?

Esthetician insurance is typically required as a condition to rent a salon booth. It can protect you and the salon against any liabilities related to accidents that could occur while customers are in the salon.

Do I need esthetician liability insurance if I work part-time?

Even if you only work part-time, you should still carry esthetician liability insurance. While working part-time may reduce the chances of having to file a claim, it does not eliminate those risks. In fact, if you’re only working part-time, the chances of a single claim having a significant financial impact on your business are even higher. This makes insurance all the more critical.

How do I compare esthetician insurance?

When comparing esthetician insurance policies, consider cost, coverage options, customer service, and the provider’s additional benefits. Carefully research each policy and read reviews from other customers to get valuable insight into the company’s reputation and customer service quality. Comparing different policies on these criteria will help ensure that you find the one most suitable for your business needs at an affordable price.

What is the best esthetician insurance you can buy?

The best esthetician insurance varies based on your specific practice and the risks your business faces. Most estheticians should carry general liability insurance, professional liability insurance (E&O), commercial property, and workers’ compensation. Depending on the type of services you offer, you may also add inland marine or product liability for a more comprehensive salon insurance policy.

About the Author

Kiah Treece
Kiah Treece Business Finance

Kiah Treece is a business finance expert with more than five years of editorial experience. Through her experience as?a small business owner, real estate investor, and lawyer, she’s knowledgeable in the areas of banking, loans, financing, and insurance for small businesses. Her first-hand experience has enabled her to?break down complex?financial topics to help?consumers make informed decisions so they can spend their money wisely.

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