Professional Esthetician Insurance
As a professional esthetician, you work hard to keep your clients’ skin healthy, clear, and glowing, plus you know the best practices to help them achieve their best look and feel. As people continue to come to you for guidance, it’s more important than ever that you protect yourself, your clients, and your career with esthetician insurance.
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What is Esthetician Insurance?
Esthetician insurance helps you protect your business and personal finances from liability claims like bodily injury, property damage and professional liability. As an esthetician, your insurance should, at the very least, include general liability, professional liability, and business personal property coverage.
How Much Does Insurance For Estheticians Cost?
At Beauty & Bodywork Insurance (BBI), we’re able to keep things simple. Our base policy can be purchased for $96 / year. There are additional methods (cupping or acupuncture) that can be added as endorsements to your policy for an additional fee. These endorsements are optional and help you customize your policy to cover only what practices your business includes.
What Does Esthetician Liability Insurance From BBI Include?
A standard esthetician insurance policy from BBI covers the following items:
- General liability insurance
- Professional liability insurance
- Personal and advertising injury
- Damage to premises rented to you
- Optional coverages available:
- Tools & Equipment Coverage
- Cupping Endorsement
- Fitness Trainer Endorsement
- Acupuncture Endorsement
- Unlimited Additional Insureds
- Cyber Liability Insurance
- & more
This program is a non-membership program so you are not paying for unnecessary features. With BBI’s online purchasing you will get immediate coverage and instant proof of insurance, and you’ll receive 24/7 access to your policy documents. There are set BBI exclusions and you will also need to refer to your policy for your specific coverage details.
General & 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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-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
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.
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.
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.
What Services Are Covered in a BBI Esthetician Policy?
Why Should I Get Insured with BBI?
Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for professional estheticians
Take a look at our comprehensive list of why BBI would be a great insurance provider for your esthetician business:
- A+ Rated
- Our easy, online process takes less than 10 minutes to complete
- 24/7 access to your insurance documents with your online user dashboard
- Filing a claim is easy and fast
- Make adjustments to your policy at any time
- Ability to add additional insureds to your base policy at any time
- Our base policy is affordable, starting at just $96 / Year
- Customizable policy options to fit your business needs
- Optional endorsements available if you need additional coverage
- No association or membership fees
- Upon purchase, you’ll have the ability to select your insurance policy effective date
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 esthetician services that you provide.
What Are Some Examples of Covered Claims?
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without esthetician insurance coverage, you could be held liable for these claims.
Claim filed for negative reaction to facial treatment ingredients
Lawsuit against esthetician for scarring after eyebrow waxing appointments
Chemical damage during a lash appointment to clients eyes resulted in a claim
Tearing skin during a Brazilian wax left a policy holder with a large claim
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.
Questions About Esthetician Insurance?
We Have the Answers
What is the Most Important Insurance for Estheticians?
Whether you’re renting a booth at a salon, working for a salon, from home or on the road, it’s important for estheticians to have both general and professional liability insurance. Some salons will even require it, so check guidelines if you are mandated to carry insurance.
General liability insurance, also known as slip-and-fall insurance, protects what the title implies—incidents like slipping and falling. If a client trips on any of your equipment in the salon and sustains an injury, 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 that resulted from a treatment you provided. This type of insurance is also commonly referred to as malpractice insurance. If a client sustains an injury from an esthetician treatment that you provide, malpractice insurance for estheticians would protect you.
BBI’s esthetician liability insurance provides both general and professional liability at a $3,000,000 aggregate limit and an occurrence limit of $2,000,000.
In addition to general and professional liability insurance, you will also want to look at product liability insurance for estheticians. This would provide protection for you if a client had an allergic reaction to a product, like eyelash glue or makeup, that you used on them.
Do I Need Esthetician Liability Insurance?
To put it simply: yes. Because you are working on people’s skin, you will want to be protected in case they have an allergic reaction or sustain other injuries from your treatments and day-to-day business operations. The costs of medical care, legal defense, and more can add up quickly, draining both your business and personal assets. You also may be required to have professional liability insurance for estheticians if you rent space at a spa or salon, and they may even require you to list them as an additional insured on your policy.
Does BBI Provide Esthetician Insurance for Students?
Yes. BBI offers coverage for students in esthetician 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 practice with peace of mind.
What Should I Consider When Choosing an Insurance Provider?
When researching insurance, it’s important to look at what coverages the policy you’re seeking offers. For example, does the policy cover general, professional, and/or products liability? This is extremely useful when comparing prices of policies. You’ll also want to keep in mind certain coverages and endorsements that are offered with a policy—purchasing cheap esthetician liability insurance isn’t always the way to go because it most likely won’t have all the coverage you need.
When Will My Policy Be Active?
You can fill out an application online in less than 10 minutes. Once your application is filled out and submitted, you receive instant esthetician insurance coverage and access to your insurance documents, dashboard, and proof of insurance.
Does BBI Cover Me in All 50 States?
Yes! BBI’s coverage extends across all 50 states and your insurance coverage will move with you. Just be sure to update your information in your online dashboard if your address changes.As long as your mailing / business address is current in your BBI dashboard, you are all set to keep doing what you love!
Why Would an Esthetician Need Product Liability Coverage?
Your general liability policy includes the products you use during your appointment or service – called the completed products. But if you are going above and beyond and selling or leaving products with your customers after an appointment – you will need to purchase product liability insurance.
Product sales will not be included in your coverage, so contact us to find out how to add this coverage for your business.
Does Esthetician Insurance Cover My Supplies?
Yes, Beauty and Bodywork Insurance provides inland marine insurance, also known as insurance for supplies and tools. This coverage can be added on to your base esthetician insurance policy for just $13.
Why Would an Esthetician Need Rental Damage Coverage?
If you rent a booth at a salon or have any other sort of rented space, this part of the insurance policy will be beneficial for you. BBI can cover damage that happens to the place that you are renting, with a $300,000 coverage limit.
Where Can I See the Requirements for My Esthetician License by State?
The best resource for all esthetician licensing-related questions is to check the state board for esthetics in the state or region in which you plan to work. Your esthetician liability insurance policy will have you covered in all 50 states, however, be sure to check with the state board with any questions you may have regarding your esthetician license.
Is Mobile Esthetician Insurance Included?
If you’re planning on taking your esthetician business on the road, BBI has you covered. A BBI esthetician 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.
Should I Get Cyber Liability Insurance?
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. If you’d like to learn more about cyber liability insurance, take a look at this article.
What Do I Need to Fill Out an Online Application?
Filling out an application is easy and only takes 10 minutes. The best part is that you don’t need to request an esthetician liability 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
Get a policy today
Join the thousands of Estheticians nationwide who have found peace of mind by purchasing liability coverage from BBI.