Beautician Insurance
As a skilled and dedicated beautician, your expertise brings out the best in your clients, helping them radiate confidence and beauty. Join thousands of beauty professionals who have chosen our A+ rated insurance program to secure their livelihoods. Our licensed agents are readily available to address any queries you may have.
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$15 per Additional Insured or $30 for Unlimited
Liability Insurance For Beauticians
You’re so good, sometimes you feel you can do your job with your eyes closed. That’s not a challenge – we just believe in you. Even with your extensive training and talents, unforeseen incidents can still occur. Safeguard your business with comprehensive beauticians insurance from Beauty and Bodywork Insurance (BBI). Get the coverage that gives you the peace of mind to not close your eyes when something goes wrong.
It’s not just the coverage beauticians and beauty therapists trust, it’s the coverage that meets the insurance requirements of the places you’ll work.And, if you take your show on the road, our coverage doubles as mobile beautician insurance. Drive, beautify, and breathe easy.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without beauty therapist insurance coverage, you could be held liable for these claims.
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.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without beauty therapist insurance coverage, you could be held liable for these claims.
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.
Common Questions About Beautician Insurance
You’re an expert beautician, not an insurance expert. Need help? No stress. Our certified agents are always ready to answer your questions about insurance for beauticians. Here are the most common questions we get.
What is Beautician Insurance?
Beautician insurance is a specialized form of coverage designed to protect beauty therapists like you from the potential financial risks that come with running your beauty business or working as a beautician. It serves as a safety net against unforeseen incidents, such as accidents or injuries that may occur during your services. For instance, imagine if you, as a freelance mobile beauty therapist, accidentally caused an injury to a client with your scissors while providing services at their location. Without proper insurance, you could be held personally liable, putting both your business and personal finances at risk.
Another way to think of it is insurance for third-party injuries or damages. In plain terms, it helps pay for bills when your work causes a client or their property harm.
At BBI, we understand the dedication you’ve poured into honing your skills and expertise. Our beautician liability insurance offers you peace of mind, knowing that you’re financially protected in case of unfortunate events. Our user-friendly online application process takes just about 10 minutes, and once you complete it, you’ll have immediate access to your policy documents for download.
Do I Need Beautician Insurance?
Absolutely! While beauticians insurance may not be legally required in all locations, it is a vital investment to safeguard your career and livelihood. Most places you work at will require it before allowing you to work there. Accidents can happen, no matter how cautious you are in your practice. With the right insurance coverage, you can focus on your passion for beauty without worry. BBI’s tailored beautician insurance offers protection against potential claims that may arise from injuries, allergic reactions, or damages caused during your services.
How Much Does Beautician Liability Insurance Cost?
BBI provides affordable beautician liability insurance starting at just $96 per year. Our competitive rates ensure that you get comprehensive coverage without breaking the bank. The base policy covers your main needs with $3 million in general and professional liability. If you want to protect your tools and supplies from damage or theft, you can add $2,000 in annual coverage for $13.
Some building owners will require you to add them as an additional insured. If that’s the case, you can add one for $15 or unlimited for $30 per year.
Rest assured, our coverage empowers you to pursue your passion with confidence, knowing that you have the support you need.
Mobile Beauty Therapy Insurance
If you offer mobile beauty therapy services, BBI has you covered. Our beautician insurance policy includes mobile insurance, providing protection while you bring your exceptional services directly to your clients. Whether you work from a salon or travel to various locations, our coverage follows you, ensuring that you and your clients are protected throughout.
Quote-Free Application Process
Join the tens of thousands of beauticians nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
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.
Additional Questions About Insurance for Beauticians
Does Insurance for Beauticians Cover Equipment and Supplies?
Yes, our beautician insurance extends beyond personal liability protection. With BBI, you have the option to include coverage for your valuable tools, equipment, and supplies. For just $13, we offer $2000 in coverage to safeguard your essential assets in case of damage or theft.
Do I Need Beauty Therapist Insurance if I Rent a Booth or Work in a Salon?
It’s a safe bet that the answer is yes. It’s best to check with the owner to see what they’re requirements are, but the large majority of BBI customers get covered because it’s required. If you don’t get insurance, there is no guarantee that you’ll be covered in case of an accident. Paying out of pocket for damages can sink your business quickly. Meet your insurance requirements and protect your business with a BBI policy.
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