Esthetician Insurance
Get affordable esthetician insurance for the artist behind the beauty with Beauty & Bodywork Insurance (BBI).
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Or $96/year. Peace of mind for every treatment.
- BBI’s esthetician insurance starts at $9.99/month or $96/year for $3 million aggregate coverage (no membership fees)
- Purchase your policy entirely online and get an instant certificate of insurance (COI) to meet spa, salon, or booth renter requirements
- A single policy covers all your eligible esthetics services and protects you at multiple locations, including spas, salons, client homes, or for other mobile work
- Your base policy includes general and professional liability insurance — add on optional coverage for your tools and supplies, cyber liability, and more
- Esthetics insurance is designed for solo or self-employed estheticians who run their own practice, whether as a booth renter, spa contractor, or mobile esthetician
What Services Does Esthetician Insurance Cover?
BBI covers the treatments at the core of your esthetics practice — and much more. This includes:
Run your own spa?
→ Get blanket coverage for your spa business, plus your entire team: Spa Insurance.
→ Explore tailored medspa coverage for medically supervised aesthetic services: Medical Spa Insurance.
Imagine a client claims your enzyme peel permanently scarred their face. It’s a rare situation, but it’s exactly what happened to a real BBI policyholder. The cost to make things right?
$47,160. Covered.
You care for clients every day. BBI supports you with a safety net to keep your business moving forward.
What is Esthetician Insurance?
Esthetician insurance is coverage designed to financially protect your esthetics business from expensive claims related to your work. If a client is injured or has their property damaged while in your treatment room, your policy can help pay for claim costs, so they don’t all come from your pocket alone.
From a facial gone wrong to slips and falls at the spa, injury and property damage lawsuits can get ugly. BBI’s essential coverages help protect your high-touch esthetics treatments so you can work with peace of mind.
Who Needs Esthetician Liability Insurance?
Every esthetician who provides services to clients can benefit from the protection liability insurance provides. This includes:
- Independent estheticians
- Estheticians who rent a booth at a spa or salon
- Estheticians in training
- Mobile estheticians
- Master estheticians
- Estheticians who offer skincare, cosmetology, and bodywork services
If you work hands-on with clients’ complexions, insurance is a must-have safety net for when things go unexpectedly.
How Much Does Liability Insurance for Estheticians Cost?
BBI’s esthetics insurance starts at $9.99/month, or save nearly 20% with a $96 annual policy. We offer flat-rate pricing for beauty and esthetics professionals, so your final price is only affected by the optional coverages you add and the payment plan you select.
What Coverages Does Esthetician Liability Insurance Include?
Your BBI base policy includes general and professional liability insurance, including these core coverages:
- General Liability Insurance: Coverage for third-party (clients and others) bodily injury and property damage claims
- Professional Liability Insurance: Protection against lawsuits that claim your esthetics treatments or professional advice caused a client bodily injury
- 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
- Medical Expense Limit: No-fault coverage for clients’ medical bills if they’re injured at your business
You can also customize your policy with additional coverages if you need them!
Optional Add-Ons
Protect your signature services and unique setup by selecting from our menu of 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
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
Currently unavailable for male massage therapists.
What Kinds of Claims Are Covered?
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.
- $99,565
- $276,215
- $24,879
- $55,089
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Why BBI for Esthetician Liability Insurance
Our coverage is tailored for the esthetics and beauty industry. Join over 70,000 professionals who trust BBI to protect their businesses and enjoy:
- Coverage backed by a top-rated carrier
- 24/7 online policy management
- Multiple tools and supplies coverage tools and supplies coverage options
- Digital certificate of insurance (COI)
- Industry-preferred Multiple occurrence coverage tools and supplies coverage optionsoccurrence coverage*
- U.S.-based, licensed support team
*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.
Get Covered in Under 10 Minutes
Our ready-to-buy esthetician insurance gets you protected in minutes and back to helping clients feel beautiful. Here’s how easy it is.
General and Professional Liability Limits
General & Professional Liability Aggregate
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
Products & Completed Operations Aggregate
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
Personal & Advertising Injury
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
Each Occurrence
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
Damage to Premises Rented to you
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
Medical Expense Limit
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.
FAQs About Esthetician Insurance Coverage
What Kind of Insurance Does an Esthetician Need?
Most estheticians need general and professional liability insurance, at a minimum. General liability can cover bodily injury and property damage claims, such as a client tripping in your space. Professional liability can protect against claims that your services or advice caused a client to get injured.
If you rent a booth, most landlords require you to carry both coverages and list them as an additional insured.
Want to dig deeper before you buy? Explore our Ultimate Guide to Esthetician Insurance.
Do I Need Esthetician Liability Insurance?
Yes, many salons, spas, clients, and landlords require estheticians to carry proof of insurance.
Beyond contract requirements, esthetician liability insurance is essential for financially protecting your business in case of claims. Working on clients’ complexions exposes you to risk at every appointment — insurance helps cover medical care, legal defense, and damages if something goes wrong.
Learn more: Why Estheticians Need Insurance.
When Will My Esthetician Insurance Policy Be Active?
Your esthetician insurance policy is effective as soon as you check out online. You’ll receive instant access to your user dashboard and digital certificate of insurance.
Why Would an Esthetician Need Product Liability Coverage?
If you sell products as part of your esthetics business operations, you need product liability insurance in case an issue arises after the sale. Say clients love your self-tanning lotion, so you begin selling it — product liability insurance is designed to cover claims such as allergic reactions or defective packaging.
BBI only covers product liability for products used during your service, but does not cover products you sell. For coverage for retail skincare or other products, check out our sister company, Insurance Canopy’s product liability insurance.
Is Mobile Esthetician Insurance Included?
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.
Estheticians Love BBI
Read why — in their own words.
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!
