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.
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
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.
A lot of factors can affect the cost of your insurance policy. However, at Beauty & Bodywork Insurance (BBI), we're able to keep things simple. As long as your services don't include any of the excluded methods listed on our site, you can purchase a policy for $96 if you're a professional esthetician or $67 if you're an esthetics student.
Regardless of your work setting, It’s important for estheticians to have insurance, specifically general and professional liability insurance.
General liability insurance, also known as slip and fall insurance, protects exactly that, incidents like slipping and falling. If a client trips over a cord and injures themselves, general liability insurance protects you against any possible lawsuits.
Professional liability insurance, also known as malpractice insurance, provides protection in the case that a client sues you specifically for damages resulting from the service you provided. Essentially, if the client gets a burn from a wax or facial they received from you, 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.
Beyond general and professional liability insurance, you will also want to look at products liability insurance for estheticians. This would protect you if a client had an allergic reaction to a product you used on them.
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.
You should also review whether the policy is a claims-made or occurrence limit. An occurrence limit will protect you for a defined period of time if you have a lapse in coverage but receive a claim that occured while you had coverage. Sometimes it can take a while for a claim to be made regardless of the severity and if you have insurance. A claims-made policy will only cover you if the claim occurred and is filled while you have coverage.
Beyond occurrence limits, you should look at the specifics of the aggregate limit. An aggregate could be either a master share aggregate or an individual aggregate. A master share aggregate means that all the policy holders in that group share the same aggregate. If someone in the group has a claim, it lowers the remaining aggregate for the rest of the group. An individual aggregate only lowers if you make a claim.
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 liability insurance 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.
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.
Who we are
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance
Veracity Insurance Solutions
Veracity Insurance Solutions, LLC is
the program administrator and general agent for Beauty & Bodywork Insurance.
Veracity began focusing on specialty general liability, product liability and program
business insurance in 2002. Since then, they have been involved in the creation and
ongoing administration of over 20 different association-based and Risk Purchasing
Group programs. Located just South of Salt Lake City, Veracity is committed to
providing each client the best price and service possible. With over 40,000 small
business accounts serviced, Veracity’s team has the experience and expertise necessary
to meet your needs.
Great American Insurance Group
Great American Insurance Company
is committed to helping individuals and businesses secure a healthy financial future.
Since 1872, their insurance operations have been providing insurance products and
services tailored to meet the specific and ever-changing needs of their customers.
Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M.
Best. (Rating affirmed February 21, 2014)
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