Helping people feel beautiful and their best self is the center of your profession. Making
sure you’re insured with the correct coverage is the center of ours. As a licensed
professional, you don’t plan on accidents happening, however, you face risks each day while
on the job.
As a cosmetologist, your tools, like scissors, makeup, and nail files make your job
possible, but these same tools also have the potential to harm. Whether you need mobile
cosmetology insurance or coverage as an independent contractor in a salon, Beauty and
Bodywork Insurance has the coverage you need.
Cosmetology liability insurance helps you protect business finances from
bodily injury, property damage, and professional liability claims. At the
minimum, you will want your cosmetology business insurance to include
general liability, and professional liability coverage, but you should
always consider covering your business personal property, too.
Yes. Although some areas may not legally require that you have cosmetologist
insurance, you assume total risk without it. There's always the risk of
allergic reactions or skin irritation when you put makeup on someone's skin.
In addition, you could also be held liable if your products stain clothing
or damage your rented space while you're working. With the right cosmetology
insurance, medical care, legal fees, repairs, or other claim expenses may be
Independently contracted or employed cosmetologists aren't the only ones who
ought to be insured. If you are a mobile or freelance cosmetologist, it's
also crucial you protect yourself from lawsuits since your personal
financial assets may be at risk if you were sued.
These risks are simply a part of being a professional cosmetologist.
Obviously you practice your profession with an abundance of caution, but
accidents can still happen. In the event of a lawsuit, you may have to pay
legal costs to defend yourself even if you're not found liable. Without
insurance coverage, you may be responsible for paying all claims-related
costs out-of-pocket. That's why it's important to protect your assets by
purchasing cosmetology liability insurance.
Yes. BBI offers coverage for students in cosmetology school. The student
policy costs $67 per year. Purchasing insurance as soon as you become a
student is the smart thing to do so you can have coverage while you’re
learning the tricks of the trade and learn with peace of mind.
Professional cosmetologists can purchase insurance for cosmetologists for
$96 per year. Cosmetology students can purchase a policy for just $67 per
year. You are eligible to purchase this coverage as long as your services do
not include any of the
listed on our site.
We know that as a trained professional, you do your best to keep your
clients safe and satisfied. Unfortunately, no matter how careful you are,
accidents are still bound to happen. Here are a few common cosmetology
claims that can happen:
While installing eyelash extensions, the cosmetologist accidentally
scratches a client’s eye with tweezers. You could be held liable for any
harm done to your client, so make sure you always practice with care and
focus on the quality of work you provide and not the quantity of clients
you need to visit.
You can also be held responsible for any harm that is caused to your
client while they are on your property. If they slip and fall while at
your place of business, you can be held liable for any medical bills or
other expenses. This is when liability insurance for cosmetologists will
come in handy.
If a client has an allergy to makeup that was applied to their face and
they develop an allergic reaction or a rash, you can also be held
responsible if they file a suit.
Beauty and Bodywork Insurance provides affordable, top-notch insurance
policies for professional cosmetologists and students. A policy can be
purchased online in 10 minutes or less. BBI lets you select the date you
would like your policy to start, and allows you to cancel your policy at any
time. Once you fill out your application, you receive immediate coverage and
access to your online dashboard.
With BBI, you also won’t have to join an association or pay a membership
fee, like other insurance options require you to do. You only pay the annual
amount for your cosmetologist liability insurance policy, without having to
worry about other fees.
Here’s a list of why BBI would be a great insurance provider for your
Our easy, online process takes less than 10 minutes to complete
24/7 access to your insurance policy with your online user account
Filing a claim is quick and easy
Make changes to your policy at any time
Ability to add additional insureds to your policy at any time
Our base policy is affordable, starting at just $96 / Year
Customizable policy options to fit your business needs
Available endorsements if you need additional coverage
If you have any questions, you can chat with one of our certified insurance
agents, or give them a call. We are happy to help you with what coverage is
available for your specific type of cosmetology services that you provide.
The moment you start practicing cosmetology, you are assuming all risks. As
a self-employed professional, it is your responsibility to hold the
liability for your business and for yourself. If you are renting space at a
salon, they will most likely require you to add the salon as an additional
insured to your insurance policy. With
student cosmetology insurance
available from BBI, you can receive coverage from the moment you begin
Regardless of your work setting, It’s important for professional
cosmetologists to have insurance, specifically general and professional
General liability insurance, also known as slip-and-fall insurance, protects
against exactly that, incidents like slipping and falling. If a client trips
over your chair and injures themselves, general liability insurance can
protect you against any possible lawsuits.
Professional liability insurance provides protection in the case that a
client sues you specifically for damages resulting from the treatment you
provided. This type of insurance is also commonly referred to as malpractice
insurance. Essentially, if a client gets injured from a cosmetology
treatment that you provide, malpractice insurance for cosmetologists would
BBI’s cosmetology liability insurance provides both general and professional
liability at a $3,000,000 aggregate limit and an occurrence limit of
Beyond general and professional liability insurance, you will also want to
look at products liability insurance for cosmetologists. This would protect
you if a client had an allergic reaction to a product, like eyelash glue or
makeup, that you used on them.
If you’re planning on taking your cosmetology business on the road, BBI has
you covered. A BBI cosmetology insurance policy includes mobile insurance,
allowing you to take your services directly to your clients instead of
working in a salon, all while having coverage.
If you store any client information, like names, addresses, or credit card
numbers, it’s highly recommended that you purchase cyber liability
insurance. This can be added on to your base policy for just $70. Cyber
crime is on the rise, and if a hacker were to get access to your clients’
personal information, it could cost you thousands of dollars and your
reputation. If you’d like to learn more about cyber liability insurance,
take a look at this article.
Filling out an application is easy and only takes 10 minutes. The best part
is that you don’t need to request a cosmetology insurance quote. Here is a
list of things you’ll need to provide when filling out an application to get
Your policy preferences (student, endorsements you’d like to include)
Personal information (name, address, business information)
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.
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