Working with people face-to-face, using shears, heat tools, and products, there is too much of a risk for accident to happen not to have professional liability insurance. At the bare minimum, a policy should have generous limits provided for both General Liability claims, as well as, Professional Liability claims. 

General liability is commonly referred to as “slip and fall” insurance. This is because there’s a liability to you as a business owner simply from allowing customers to enter your premises. If a customer trips over a loose tile in your salon and injures themselves, they can hold you liable for the damages. 

Personal liability is often called “malpractice” insurance. This coverage provides provisions for injuries and other loss events that occur in the event of you providing your service. If your hand slips with a curling iron and you accidentally burn your client, they may hold you liable for their injuries.

EBS’s comprehensive cosmetologist & hairstylist insurance policies go far beyond the bare minimum with additional coverage for product liability, rental property damage protection, stolen/damaged equipment protection, and even identity theft protection for members. It’s just one way we have your back, no matter what.

Absolutely. While cosmetology may seem fairly tame, no matter where, when, or how many hours you’re working, you’ll be using tools that can, and have, produced injuries to clients. 

While renting a chair at a salon, you’ll be classified as an independent contractor and not generally covered under the salon owner’s professional liability policy.

That’s why it’s important to have your own coverage for any possible claim that can arise in the course of providing your services to clients.

With a cosmetology liability insurance policy from EBS, you’ll have

• $2 Million limit for both Professional Liability and General Liability claims, up to a $3 Million Individual Annual Aggregate. An Individual Annual Aggregate means you personally have a $3 Million limit each year, no matter how many claims are filed, as opposed to many carriers which “pool” claims for businesses. 
• $2 Million in Product Liability coverage, which covers you in the event that a product malfunctions and causes loss or injury.
• In the event that a rented facility received damage, you’ll be covered up to $100,000.
• $25,000 in Identity Theft Protection
• $1,000 in Stolen/Damaged Equipment protection.

Many carriers out there offer claims-made coverage because it’s simply more convenient for them to do so. This means a claim has to be made while a policy is active in order for it to be covered. We don’t believe in not covering something that rightfully should be so we offer occurrence form coverage. This means that even if your policy is long-expired, if a claim is made against you for an event that occurred while your policy was still in effect, you’re absolutely covered. It’s just one small way we make sure we’ve got your back.

Absolutely. Even while still in school, you’ll be practicing your techniques face-to-face with real people.

The smallest mistake or accident can unfortunately lead to a claim being filed against you. For the low cost of just $25 for a full year of coverage, our student policies offer an incredibly cost-effective means to protect you and your future business from claims against you while still in school. Plus, you’ll have all the same access to an incredible array of members-only benefits as our professional members included with the cost of your student policy.

Our rates are some of the best in the industry. We provide different options for cosmetologists to choose from so they can find what works best for them and their business.

• One-year policy, the current rate for beauty care professionals is $169 a year, good anywhere you provide your services in U.S.
• Two-year cosmetologist insurance policy, the rate is $279.95, a $38.05 savings over buying two, one-year policies.
• Student rates are $49 for a full year of coverage. 

Based on demand, we’ve also made available a benefits-only plan which provides identity protection, a professional website, and access to loads of discounts and special offers for an incredibly low rate of $39 per year.

We cover 450+ beauty and wellness modalities ranging from hair, skin treatments, nail decorations, and even massage and yoga. 

WE have created a full list of coverage for your convenience and  if you don’t see yours currently listed, you can also call or email a knowledgeable sales representative to see if we can add your chosen modality to our growing list.

Call 800.326.5566 or email info@elitebeautysociety.com.

When you become a member of Elite Beauty Society, you will receive liability insurance + a full suite of member perks.  Our program has been tailored exclusively to fit the needs and help grow every cosmetologist. 

You will have access to the EBS resource center which holds a wealth of information on topics like "how to set up a successful business", education tools, eBooks, and so much more. As a member, we’ll provide a free customizable website to take your business to the next level.

In addition, EBS has partnered with some of the best names in the industry to offer members exclusives on products and tools at a discount. To name a few, you will get save on PBF memberships, free Booksy trials, access to ACA qualified health insurance, and one month free to online therapy from BetterHelp. We are continuously adding more. 

Get peace of mind & grow your career at one affordable rate.

You will receive your certificate of insurance immediately after purchasing your cosmetology insurance.  You will also get access to your member portal where you can see your insurance documents at any time.

At EBS, we are a community of beauty professionals that have had experience in the industry. Being built by professionals gives us the advantage to tailor our program directly to the cosmetologists.

We understand the decision to purchase liability insurance can seem daunting, so we’ve created an in-depth guide to insurance just for beauty professionals..

If you’ve still got questions, our knowledgeable sales representatives have the answers. Contact us at 800.326.5566 or email info@elitebeautysociety.com. 

The State Board of Cosmetology in the state that you want to offer services in is the governing body which will provide licensure, usually upon completion of education and examination.

For example, the State Board of Cosmetology in Florida requires a full 1,200 hours in an approved cosmetology school and the successful passing of the state-issued examination in order to obtain a license.

The best resource for license information is the State Board that governs your modality in the state that you want to offer services in. The process can be lengthy, so it’s best to get started as early as possible when you decide you want to move your license from one state to another. Some states do offer reciprocity for licensure but this varies widely.

For example, according to the California Board of Barbering and Cosmetology, out of state licensees can simply fill out a reciprocity application and pay a fee in order to receive a new license, as long as they have proof of a current license which has been active for three of the last five years and hasn’t been revoked or suspended. Often different states vary the amount of required education so you may need more training hours in order to satisfy your new state’s requirements.