❌ Allergic reactions
❌ Eye infections
❌ Stolen supplies
Even the most experienced esthetician can run into surprises like these. Luckily, esthetician and lash extension insurance is designed to help cover the costs when problems like these arise.
Your Quick Guide to Business Insurance for Lash Extensions
- Eyelash extension insurance is designed to protect you from the financial drain of claims and lawsuits
- Lash artists and estheticians need both general liability and professional liability coverage, since they cover different “uh-oh” moments.
- Two of the most common add-on coverages are: Tools & Supplies Coverage (for your essential equipment) and Additional Insureds (when a salon owner, landlord, or venue requires you to add them to your policy).
- Need proof of coverage fast? Grab your COI (Certificate of Insurance) and share it with anyone who needs it.
What is Lash Extension Insurance?
Esthetician insurance and eyelash extension insurance are designed to financially protect you if a client claims your services caused them harm, their property is damaged, or someone gets hurt.
Your personal health insurance is designed for things you experience; business liability insurance is designed for harm to others.
Liability insurance covers third parties
First party = You
Second party = Us (your insurance company)
Third party = Other people who interact with your business
Who Needs Lash Extension Insurance?
Anyone who works with or provides a service to the general public needs liability insurance. This includes:
- Mobile lash techs: If you travel to your clients or provide services in multiple places, you need your own insurance that travels with you
- Home-based techs: Homeowners insurance doesn’t cover most business-related activities, so if you work from a home studio, you still need lash tech insurance in case of accidents or injuries involving clients
- Suite-renters: If you rent a salon or spa suite, the landlord will likely require you to have your own liability insurance as part of the rental contract
- Independent contractors: If you work in a salon or spa and are classified as an independent contractor (not an employee), you typically need your own insurance
- Part-time techs: Accidents can still happen even if you work part-time, so you still need liability insurance
Pro tip: Always check with your employer before assuming the location or company you work for will cover you for accidents, injuries, claims, or lawsuits.
What Kind of Insurance Do Eyelash Techs Need?
The two primary types of insurance eyelash techs need are general liability and professional liability insurance.
You need general liability to cover things like slip-and-fall and property damage accidents. You need professional liability to cover service-related mistakes. Plus, these are the types of insurance most spas, salons, and landlords require you to have.
Essential Coverages
While general and professional liability cover the majority of potential incidents related to lash extension services, there are several other essential coverage types. The following coverages are included in Beauty & Bodywork Insurance’s (BBI) standard eyelash extension policies:
Pro tip: Professional liability insurance is also known as errors and omissions insurance, or E&O insurance.
Coverage Breakdown: What’s Covered
Liability insurance is designed to pay for medical bills, property damage repairs or replacements, and legal defense costs related to your professional services and certain aspects of running your business.
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General liability |
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Professional liability |
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Personal and advertising injury |
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Products-completed operations |
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Damage to rented premises |
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Medical expense |
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Additional Insurance Coverages for Lash Extension Techs
Depending on your services and specific business setup, you may need additional coverages to fill in gaps, like tools and supplies or cyber liability insurance. The following coverages are available as optional add-ons with BBI:
Pro tip: Get additional details about all BBI’s included and optional coverage types.
Optional Coverage Breakdown: What’s Covered
| Coverage Type | What It Covers | Examples |
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Tools and supplies coverage (inland marine) |
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Cyber liability |
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Sexual abuse and molestation (SAM) |
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Additional insureds |
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Coverage Limits and Policy Structure: What They Are & Why They Matter
Coverage limits and policy structure are essentially the “rules” of how your policy pays claims.
Coverage Limits
Coverage limits refer to the total amounts that an insurance policy can pay. There are two kinds of limits: aggregate and per-occurrence.
- Aggregate limit = the maximum total your policy will pay for all covered claims during one policy period
- Occurrence limit = the max amount your policy will pay for one individual claim
For example, BBI has a general and professional liability aggregate limit of $3 million and a per-occurrence limit of $2 million. This means the most we can pay for any one claim is $2 million, and the most we can pay for all these types of claims combined is $3 million.
Policy Structure
Most liability policies follow one of two possible structures: claims-made or occurrence-form.
Claims-made policies have a limited time period for reporting claims. To be accepted, claims must occur during the policy period and be reported within a specified timeframe.
Occurrence form policies don’t have this restricted reporting time. As long as the original incident happened while the policy was active, it can be reported at any time (even if the policy has since expired).
Pro tip: Occurrence form policies are the preferred policy type for most beauty and bodywork professions. Eyelash extension liability policies with BBI are occurrence form policies.
How Much Does Lash Extension Insurance Cost?
Lash tech insurance with BBI costs as low as $9.99 per month or $96 per year. Your final insurance costs depend on factors like the size of your business and the add-on coverages you choose.
The potential costs of not having liability insurance? Paying on your own for real-life liability claims like these:
- An allergic reaction to lash glue: $1,209
- A chemical burn from the lash adhesive: $3,421
- Medical care for an infection: $9,972
- Corrective treatments for permanent damage: $23,173
Why Lash Extension Techs Choose BBI
Unlike many insurance companies, BBI does not adjust your rates based on where you live. Instead, the base rate is the same regardless of state.* BBI’s affordable, customizable, and highly-rated coverage makes us the best value on the market for eyelash extension insurance.
We also provide a quick and easy online purchasing process, so you can get a quote, coverage, and certificates of insurance (COI) today. Our online dashboard makes it simple to get your policy documents, add or update coverages, and add additional insureds at any time.
Plus, BBI eyelash extension policies go where you go. So, even if you change locations or work in more than one place, you’re still covered.
*Currently not for sale in Missouri.
Quick-Start: Get Covered in 10 Minutes or Less
Getting lash extension insurance is quick and easy with BBI’s online checkout process.
- Go to the checkout page and select “Lash Artist”
- Provide basic business information
- Opt in or out of additional coverages
- Choose your policy start date and review your coverage choices
- Choose annual or monthly payments and input payment info
You’ll receive an email confirmation shortly after your payment is processed with instant access to your COI through your online dashboard.
Frequently Asked Questions About Lash Extension Insurance
Is Lash Extension Insurance Required by Law?
While there are no federal laws requiring lash technicians to carry insurance, it’s still required by most employers.
Depending on your state, liability insurance may also be required to obtain your cosmetology or esthetician license. And in many states, an esthetician’s license is required to provide eyelash extension services.
Can I Add My Salon, Spa, or Landlord as an Additional Insured?
Yes!
Additional insureds can be:
- Landlords who own the property you rent or work in
- Businesses like spas or salons that hire you as an independent contractor
- Coordinators or organizations that run events, conventions, or festivals
- Other venues where you provide services temporarily
How Do I Add Additional Insureds to My Policy?
You can add additional insureds when you sign up for your initial policy by following the prompts, or you can add them at any time after that through your online portal.
Simply follow these steps:
- Login to your dashboard
- Under “manage policies,” select “add landlord, employer, event” and add the name, address, and email of your additional insured
- Check out and pay
