Cosmetology Insurance

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.

$96 per year

Cosmetology Insurance
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$15 per Additional Insured or $30 for Unlimited

Common Questions

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.

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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 covered.

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.

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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.

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Included in a standard cosmetologist insurance are several things:

  • General liability insurance
  • Professional liability insurance
  • Personal and advertising injury
  • Damage to premises rented to you
  • Optional coverages available
    • Supplies & tools coverage (Inland Marine)
    • Cupping endorsement
    • Fitness trainer endorsement
    • Acupuncture endorsement
    • Unlimited additional insureds
    • Cyber liability insurance
    • & more
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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 excluded methods listed on our site.

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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.
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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 cosmetology business:

  • A+ Rated
  • 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.

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Because there are several different cosmetology services that you can provide, BBI covers a wide variety of services. Take a look at this comprehensive list to see what we cover:

  • Eyelash extensions
  • Makeup artists
  • Airbrush makeup artists
  • Teeth whitening
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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 cosmetology school.

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Regardless of your work setting, It’s important for professional cosmetologists to have insurance, specifically general and professional liability insurance.

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 protect you.

BBI’s cosmetology liability insurance provides both general and professional liability at a $3,000,000 aggregate limit and an occurrence limit of $2,000,000.

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.

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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.

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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 $79. 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.

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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 insured:

  • Your policy preferences (student, endorsements you’d like to include)
  • Personal information (name, address, business information)
  • Which business activities you will be performing
  • Claim history
  • Additional insureds (if you’d like to add any)
  • Payment information
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Join the thousands of Cosmetologist nationwide who have found peace of mind by purchasing liability coverage from BBI.

per year

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General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

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.

Popular methods

With over 250 types of massage therapy methods to choose from, we don’t want to restrict to specific types. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include: