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

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


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

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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.

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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!

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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:

  • Facials
  • Hair removal (by wax, not laser)
  • Microdermabrasion
  • Spray tanning
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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.

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Whether you’re renting a booth at a salon or working for a salon, 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. Our esthetician insurance policies will also cover those who work from home or travel to their customers - or those who do a little of everything!

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 products 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.

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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.

  • The claimant experienced burns on their skin after an eyebrow waxing
  • A fire caused damage to the claimant’s workshop and products
  • Claimant had an injury from a brazilian wax and filed a suit against your practice
  • The studio was broken into and robbed, resulting in stolen computers and equipment

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.

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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.

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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.

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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.

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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.

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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!

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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.

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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.

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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.

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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.

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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.

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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 $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.

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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 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
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Join the thousands of Estheticians 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.

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The esthetics industry includes a wide variety of practices and methods, and insurance coverage is essential for every one of them. No matter which modality is practiced, liability coverage is important. BBI has skin in the game, and our esthetician insurance policies are designed to give workers what they need to have assurance as they do their job

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