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Minnesota Beauty Insurance

Glow Up Your Career With Excellent-Rated Coverage
Buy From

$9.99/ month

Or $96/year
(that's less than 27 cents a day!)
4.9/5
4.9/5

Minnesota Cosmetology Insurance

With coverage from Beauty & Bodywork Insurance (BBI), keep your focus on helping clients look and feel their absolute best. Your business is protected from liability claims in the North Star State and across the U.S.

Program Benefits

*If you buy your policy after July 1, 2024, your policy includes occurence-based coverage.

Beauty Services We Cover in Minnesota

Endless lakes, Juicy Lucys, the Mall of America, and more – your state has a lot to offer! Your beauty service menu does, too. Get peace of mind with Minnesota beauty insurance from BBI for all your modalities, including:

Coverages & Pricing

AGENT RECOMMENDED

Professional Liability policy

For professionals who work in the beauty and bodywork industry

$9.99/ month

Or $96/year

General & 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

Optional Add-Ons

Additional Insureds

$15 per | $30 unlimited

Tools & Supplies Coverage

$2 – $5.50/ month

Cyber Liability Coverage

$6.58/ month

Cupping or Microcurrent Coverage

$2.92/ month

Acupuncture Coverage

$33.58/ month

Learn more about our coverage details or optional add-ons.

No quote process   •   Instant coverage   •   Top-rated insurance Carrier

Resources for Minnesota Beauty Professionals

Beauty Industry Fast Facts

Minnesota cosmetology employment statistics as of August 2024:

Average hourly base salary: $27.09

Average yearly base salary: $62,885

Highest-paying city for cosmetologists: Blaine

Source: Indeed

Minnesota esthetician employment statistics as of August 2024:

Average hourly base salary: $28.61

Average yearly base salary: $52,108

Highest-paying city for estheticians: Savage

Source: Indeed

Minnesota Beauty License Guidelines

To offer beauty services in Minnesota, you must obtain a license from the Minnesota Board of Cosmetology. Be sure to check for the most up-to-date guidelines when you’re applying for a license. These are the main steps to become licensed:

  • Be at least 17 years old.
  • Have a high school diploma or GED.
  • For cosmetology: complete 1,550 hours of training at a state-approved cosmetology school.
  • For esthetics: complete 600 hours of training at a state-approved esthetician school.
  • Apply to take the licensing exam.
  • Pass the licensing exam: both written and practical portions.
  • Pass the Minnesota laws and rules test.
  • Submit a license application to the board.
  • Pay the required fees.

 

For more information, visit the Minnesota Board of Cosmetology. Or check out this list of board-approved cosmetology schools to get started.

More Helpful Links

Do I Need Insurance to Practice Cosmetology in Minnesota?

It may not be required by the state, but you do need beauty insurance to protect your business. Carrying liability insurance keeps you from having to pay for expensive damages on your own. That means you won’t have to put appointments on hold to sort out claims like clients getting hurt during your services or saying you failed to meet their expectations.

In addition, salons, spas, and other venues typically require you to get insured and list them as an additional insured on your policy before bringing you on board.

For peace of mind, meeting employment requirements, and as a signal to your clients that you’re a professional they can trust, it’s a smart choice to get cosmetology insurance in Minnesota.

Why Choose BBI for Cosmetology and Esthetician Insurance in Minnesota?

You’re in the business of beautifying. BBI empowers cosmetologists, estheticians, and other licensed pros like you to work your beauty magic – without worrying about the risks associated with your services.

Get insurance for estheticians in Minnesota that’s easy, affordable, and designed with the industry-preferred coverage you need. BBI’s got you covered.

Buy From

$9.99/ month

Or $96/year
(that's less than 27 cents a day!)

Our Happy Policyholders Say It Best

Read from over 420+ reviews.

Tiare L.
Tiare L.Massage Therapist
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"THANK YOU BBI"

“What an easy experience online to get all set up and feel secure starting up my new business. THANK YOU BBI for making this LMT one happy customer.”
Natalia F.
Natalia F.Massage Therapist
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"The best customer service"

“Excellent insurance, compatible price, great coverage. The best customer service. Highly recommend!
Erika T.
Erika T.Massage Therapist
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"Easy to apply"

“I can’t say enough great things about this company. Every time I’ve had to talk to someone in customer service, they have been more than helpful.
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