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
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
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
Fitness Trainer Endorsement
Unlimited Additional Insureds
Cyber Liability Insurance
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
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.
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!
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.
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
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.
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
The studio was broken into and robbed, resulting in stolen computers and
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
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.
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:
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
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.
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.
You can fill out an
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.
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
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.
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.
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
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.
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.
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.
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)
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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