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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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$9.99/ month

(annual pricing available)

Invest in your future by insuring your present – your business will thank you.

Fast & Secure Online Purchase

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Download Proof of Insurance at Checkout

$15 per Additional Insured or $30 for Unlimited

To see member benefits visit probeauty.org

A PBA Insurance Marketplace Provider

4.9/5
4.9/5

What Services Are Covered in a BBI Esthetician Policy?

Because there are several different esthetic treatments you can offer your clients, Beauty & Bodywork Insurance (BBI) covers a wide range of services including:

What Are Some Examples Of Covered Claims?​

While each policy has coverage specifics, here are some actual claim examples that BBI has handled. Without esthetician insurance coverage, you could be held liable for these claims.

Client tripped and fell after session - $3,788 Chemical damage to eyes after lash appt. - $19,998 Clients skin torn from Brazilian wax - $24,879 Skin damage after facial treatment - $49,813 Scarring after eyebrow waxing - $55,089 Negative reaction to facial treatment - $62,987 Get peace of mind today.

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.

What Are Some Examples Of Covered Claims?​​

While each policy has coverage specifics, here are some actual claim examples that BBI has handled. Without esthetician insurance coverage, you could be held liable for these claims.

Client tripped and fell after session - $3,788 Chemical damage to eyes after lash appt. - $19,998 Clients skin torn from Brazilian wax - $24,879 Skin damage after facial treatment - $49,813 Scarring after eyebrow waxing - $55,089 Negative reaction to facial treatment - $62,987 Get peace of mind today.

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.

Common Questions about Esthetician Insurance

Our certified agents are always ready to relieve stress and answer your questions about our esthetician insurance. Here are the most common questions we get.

What is Esthetician Insurance?

Estheticians provide a range of services meant to help your clients look and feel their best—but some treatments still carry risk. Esthetician insurance from BBI protects your business and personal finances from liability claims like bodily injury, property damage, and professional liability if something were to go wrong. With BBI in your corner, you can have peace of mind knowing that you, your clients, and your business are protected.

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How Much Does Insurance For Estheticians Cost?

At BBI, we like to keep things simple. Our base policy can be purchased for $9.99/month or $96 / year. There are additional methods/treatments that can be added as insurance 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

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What Does Esthetician Liability Insurance From BBI Include?

With BBI, our customers get professional liability insurance for estheticians without membership fees or additional requirements. Our coverage includes:

  • 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

With BBI’s online purchasing process, you get immediate coverage and instant proof of insurance, as well as 24/7 access to your policy documents. It’s important to be aware of your policy exclusions and you will also need to refer to your policy for your specific coverage details.

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Why Should I Get Insured with BBI?

Beauty and Bodywork Insurance provides affordable, top-notch insurance policies for professional estheticians, check out some of the top reasons why:

  • 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 about your specific coverage needs, you can chat with one of our certified insurance agents by emailing info@insurebodywork.com, or calling 877-536-7290.

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Quote-Free Application Process for Esthetician Insurance

Join the tens of thousands of estheticians nationwide who have found peace of mind by purchasing liability coverage from BBI.

walk through of ease of application use

General and 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.

$3,000,000

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.

$3,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-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

Included

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.

$2,000,000

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.

$300,000

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

Any One Person: $5,000

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.

Other Common Esthetician Insurance Coverage Questions

Since estheticians work closely with people’s bodies and can adversely affect their appearance or even cause injury with some treatments, both general and professional liability insurance are crucial for a successful practice. 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.

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 your equipment and sustains an injury, general liability insurance can protect you against any possible lawsuits.

Professional liability insurance provides protection if a client sues you 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 can protect you.

In addition to general and professional liability insurance, you will also want to look at products completed operations coverage for estheticians. This would provide protection for you if a client had an allergic reaction to a product that you used on them, like eyelash glue or makeup.

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To put it simply, yes. Because you are working on people’s skin, you will want to be protected if 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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You can fill out an an application online in less than 10 minutes. Once your application is filled out and submitted, you’ll get instant esthetician insurance coverage and access to your insurance documents, dashboard, and proof of insurance (assuming you qualify). You can also elect to set your coverage start date up to 30 days in the future from the date of purchase.

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BBI’s coverage extends across 49 states (MO is excluded) 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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It depends. Your general liability policy includes the products you use during your appointment or service (called “completed products”). However, if you sell or distribute products to your customers—you will need to purchase product liability insurance independently of your liability policy. Product sales are not included in your liability 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 tools and supplies coverage. This coverage can be added 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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If you’re planning on taking your esthetician business on the road, BBI has you covered. Your 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 a hacker were to get access to your clients’ personal information, it could cost you thousands of dollars and even your reputation. 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.

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Applying online 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
  • 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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You're in good hands.

Here’s what other people have to say about their experience from over 420+ available reviews.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Camille
CamilleNail Tech
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"Easy to understand"

Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Kris Christy
Kris ChristyMassage Therapist
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
Latoya Mosley
Latoya MosleyLash Artist
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
Autumn ZebroffEsthetician
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"Super fast online purchase."

Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
Jillian Walsh
Jillian WalshSpray Tanning
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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