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.
$96 per year
in 10 Minutes
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.
If you have any questions about these coverage types, please feel free to call one of our licensed agents at 888-568-0548 for a no-obligation consultation.
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.
With other insurance providers, there are many different factors that go into the price of your insurance including the state where you work, your gross annual revenue, and types of treatments. We like to keep it simple, and make sure you know how much your esthetician insurance will cost you!
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
Our program is a non-membership program so you are not paying for unnecessary features. With BBI, you get 24/7 access to your policy documents. And with online purchasing, you will get immediate coverage and instant proof of coverage. There are set BBI exclusions and you will also need to refer to your policy for your specific coverage details. If you have any other questions regarding our insurance options for skincare professionals, reach out to our contact team via our contact us page.
General & professional liability limits
|General & Professional Liability Aggregate||$3,000,000|
|Products & Completed Operations Aggregate||$3,000,000|
|Personal & Advertising Injury||Included|
|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.
What Services Are Covered in a BBI Esthetician Policy?
Because there are several different esthetic treatments that you can offer to your clients, BBI covers a wide variety of services. Take a look at this list to see what we cover:
Why Should I Get Insured with BBI?
Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for professional estheticians and students. An esthetician insurance policy can be purchased online by filling out a simple application in less than 10 minutes. What’s great about BBI is that you can select the date that your insurance policy is effective, and will be after for one year from that date. When you have filled out your application online, receive instant coverage and access to your online dashboard to see the policy details and your information.
With BBI, you also won’t have to join an association or pay a membership fee, like other esthetician insurance options require you to do—you only pay the annual amount for your esthetician liability insurance policy.
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
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. Claim Amount $63,000.
- Lawsuit against esthetician for scarring after eyebrow waxing appointments. Claim Amount $55,000.
- Chemical damage during a lash appointment to clients eyes resulted in a claim. Claim Amount $20,000.
- Tearing skin during a Brazilian wax left a policy holder with a large claim. Claim Amount $25,000.
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.