Welcome to Elite Beauty Society
A-Rated Beauty Liability Insurance
Instant COI & Expert Career Education
Join thousands of beauty professionals who trust Elite Beauty Society for beauty liability insurance, cosmetology insurance, and esthetician insurance designed to protect your work and help you grow with confidence.
No hassle. No quotes. Get instant beauty insurance coverage today.
Coverage for estheticians, cosmetologists, hairstylists, and beauty professionals at every stage.
Beauty Liability Insurance Pricing for Beauty Professionals
Two Year
Lock in affordable beauty liability insurance at just $149 per year when you choose our two-year policy, with the same comprehensive coverage and benefits.
$
299
/2year
One Year
Protect your career with one year of beauty insurance designed for estheticians, cosmetologists, and beauty professionals—comprehensive coverage at an affordable rate.
$
179
/year
Student
Start your career strong with discounted cosmetology insurance and esthetician insurance designed for students—coverage that protects you in school and beyond graduation.
$
49
/year
Professional Beauty Liability Insurance Crafted Specifically for You
We are a community of beauty professionals dedicated to helping you grow a successful beauty business while protecting your career with reliable beauty liability insurance, cosmetology insurance, and esthetician insurance tailored to your needs.
Get insured in under 5 minutes with instant proof of coverage. Protect your peace of mind, your assets, and your career with reliable beauty liability insurance today.
Professional Beauty Insurance Highlights & Coverage
Beauty Insurance Coverage Details
Professional liability is a blanket statement for the potential risks directly related to your occupation. These are industry-specific incidents that could cause harm to a client. Professional liability can also be known as errors and omissions. In other words, professional liability is something a professional does wrong while working. For cosmetologists, a professional liability may be puncturing a client's skin while giving them a haircut or causing a burn while performing thermal styling.
Professional liability insurance helps protect a worker if they do something wrong that causes harm to a client. Professional liability insurance's protection is an essential component of overall liability insurance. If you're covered with professional liability insurance, you don't have to worry about the cost of a liability lawsuit against you. If you make a mistake and your client gets hurt, professional liability insurance can help keep your finances intact.
If professional liabilities are directly related to your occupation, general liability is the opposite. General liabilities are non-specific to a career or vocation. These risks are universal in any industry. Another way to consider general liability insurance is slip and fall coverage. The incidents covered under general liability can happen in any industry and facility. The most common are trips, slips, and tumbles.
General liability coverage offers protection from lawsuits involving universal risks or incidents. If a client falls and injures themselves while in your salon, general liability could help protect you from the cost of paying the client's compensation. As general liabilities are common and can happen anywhere, protection from general liabilities claims is essential to cosmetology insurance.
Personal & Advertising Injury will protect you against claims like copyright infringement, libel, and slander. This type of advertising injury coverage will help protect your reputation in the industry.
In today's world, more than word of mouth marketing is needed to be a successful cosmetologist. Most beauty professionals today have a massive online presence. Nearly every cosmetologist uses social media platforms to promote their business, manage their finances through online banking, or reach clients through their website. While the era of the internet has provided an excellent opportunity for reaching new clients and engaging your customers, it has also created the potential for loss due to identity theft. If you have any presence online, you are potentially at risk for hackers to steal your information.
Elite Beauty Society includes Identity Theft Protection in our cosmetology insurance policy. We want our policyholders to be well protected from every career threat. While most other cosmetology insurance providers do not offer identity theft coverage, we make it a pillar of our policy. If you lose money due to an online predator, we offer protection to help you recoup your losses.
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
100% Mobile Coverage; Protection Wherever Your Practice
Elite Beauty Society Insurance Policyholder Perks
Elite Beauty Society is continually adding more liability insurance policyholder perks to better serve our community.
Grow Your Business with Elite Beauty Society
We have dedicated time & resources to make sure you are succeeding in the industry. Check out or latest posts below.
Increase Salon Revenue with Added Services
KEY TAKEAWAYS: You can increase salon revenue by adding services, but it is important to choose the right services. Adding desirable, marketable services is more important than simply increasing the number of options available to your ...
Over 500+ Wellness & Beauty Services Protected With Insurance
Most Popular Beauty Liability Insurance Policies
Elite Beauty Society’s Cosmetology Insurance
Elevate your beauty business with the comprehensive protection of Elite Beauty Society’s cosmetology liability insurance and beauty liability insurance. Designed specifically for cosmetologists, estheticians, and beauty professionals, our coverage helps protect you from the unexpected while giving you the confidence to grow your career.
From professional liability protection to career education, Elite Beauty Society delivers reliable beauty insurance that supports you at every stage. Focus on what you do best—creating beauty—while we help safeguard your business and your future.
Elite Beauty Society’s Esthetician Insurance
Estheticians are experts in skincare, equipped with extensive knowledge of routines, regimens, and treatments. With their professional licenses and rigorous training, they strive to enhance their clients' appearance and confidence. Despite their expertise and dedication, unforeseen circumstances can lead to claims arising against them, resulting in financial losses. To mitigate such risks, obtaining comprehensive liability insurance is crucial. If you're intrigued but uncertain about where to begin, we are here to help you understand coverage specifics, costs, and frequently asked questions, offering fellow estheticians the assurance and security they seek.
Elite Beauty Society’s Hairstylist Liability Insurance
Protect your hairstyling career with the protection of Elite Beauty Society’s hairstylist liability insurance. Created exclusively for beauty professionals, our insurance coverage safeguards you from unexpected incidents, giving you the confidence to focus on your craft. From liability protection to ongoing career education, Elite Beauty Society has your back every step of the way. Join thousands of top hairstylists who trust us to protect their careers, so they can do what they do best—transforming clients’ hair into works of art.
Elite Beauty Society’s Beauty Student Liability Insurance
Start your skincare career with confidence through Elite Beauty Society’s esthetician student insurance. Specifically designed for aspiring estheticians, this coverage protects you from unexpected claims that may arise during your training. From liability concerns to peace of mind as you perfect your craft, our policy helps you stay focused on your future while staying protected today.
Elite Beauty Society’s Part-Time Cosmetologist Liability Insurance
Support your part-time cosmetology journey with Elite Beauty Society’s cosmetologist liability insurance. Whether you're building your client base or offering services on a flexible schedule, our coverage protects you from the risks that come with hands-on work. With safeguards for incidents, career growth tools, and ongoing education, you can focus on what you do best—creating stunning results behind the chair.
Partnered with Industry Leaders
Our partners allow us to give our professionals a better insurance policyholder experience, and the tools needed to take your career to the next level. See All Partners ›
Let's Protect Your Career & Get You the Peace of Mind You Deserve with Liability Insurance for Beauty Professionals.
Beauty Insurance FAQs
We began our company as Beauty Insurance Plus in 2015 and have since evolved into an all inclusive insurance provider for professionals in the beauty industry. We are a company of like minded beauty pros offering the safety and security you need to thrive throughout your career in beauty and wellness. With comprehensive insurance, really sweet benefits, and tons of extras thrown in, our highly affordable plans gives you peace of mind while you pursue your passion. With industry leading coverage for every beauty professional including estheticians, microblading, make up artists, and cosmetologists, our beauty insurance coverage delivers when you need it most and every day in between.
We appreciate you need the best bang for your buck and designed our policies to be the best blend of coverage and affordability. Knowing you’re protected in the event of an accident is great but what happens when you don’t have to utilize this coverage? To give our members continuous value for their investment in us, we provide one of the best benefits programs in the industry. By fostering relationships with recognized leaders in beauty, we’re able to secure exclusive discounts and early access deals from names you know and trust like Paul Mitchell and Redken. Completely free benefits include a free professional website to advertise your services online and a subscription to a beauty publication of your choice.
At Elite Beauty Society, our plans are designed with convenience in mind. We offer several different options for beauty professionals to choose from including:
- One Year of Professional Beauty Insurance $179.00
- Two Years of Professional Beauty Insurance $299 (saves $59)
- One Year of Student Beauty Insurance $49.00
- Adding Microblading coverage to your policy $499.00
- One Year of a Benefits Only Plan (all the benefits, just no insurance) $39.00
We also offer the option to add additional businesses to your policy. Sometimes if you are renting a booth in a salon the landlord will automatically require this. You can add a business for just $10 per year or $15.95 for a two-year policy. Throughout a policy term you may find you have multiple businesses to add, in that case consider the unlimited additional businesses package for $30 per year.
Events big and small will happen throughout your career and even for the most practiced beauty professionals, there are many incidents that you simply cannot plan for. You may have a long history with a particular client and then have a situation where a new product you use leads to an adverse allergic reaction. Now, a once-trusted client suddenly demands you pay for all of their medical costs. Without beauty insurance, this sum comes straight out of your hard-earned revenue.
Beauty insurance provides you with great coverage limits in the areas of general and professional liability. Taking coverage a step further in an industry with a lot of risks, we provide our members with common-sense coverage.
Your insurance policy is a contract between you and your insurance company. Whenever you sign a contract, you should understand the basic provisions. With beauty insurance, consider first the completeness of coverage. Beauty insurance needs to provide enough of a safety net for the most common events.
Most claims faced include liability related to your premises, called general liability, and/or liability related to the services you provided to a client. Additional protections you should have include coverage for allergic reactions. The best beauty insurance policy will provide all of these protections plus a benefits plan full of deals from leading names in beauty like Paul Mitchell and Redken. Since our beauty insurance program contains all of these things, it looks like you’ve come to the right place!
At Elite Beauty Society, we provide liability insurance coverage to a wide range of beauty and wellness services. For starters, we offer comprehensive beauty insurance coverage for professional estheticians, professionals offering microblading, cosmetologists, insurance for salons, makeup artists, nail technicians, spray tans, and even students still in beauty school. In addition to these, many forms of massage are also covered. See the more than 500 different services we currently cover here.
Yes, we do offer monthly payments through PayPal's Pay Monthly program! While monthly payments can be very convenient, we do recommend that you pay in-full so you can skip the credit check. PayPal will split-up the cost of your policy, plus a fee, over the period of time that you choose. There is zero interest if you do pay off the full cost of your policy within 6 months however, after that, interest charges could apply.
From clicking on the policy option that’s right for you, filling out the application, and checking out, the process usually only takes a few minutes. When you’re all done, you have instant coverage and access to proof of coverage through the member portal.
There are no differences between the part-time and full-time policies except for the price ($149 vs. $179) and the amount of hours you spend each week working directly with/on your clients–both policies give you the exact same coverage limits and access to benefits.
To obtain a part-time policy, you would be working with/on your clients less than 10 hours a week in general. To obtain a full-time policy, you would be regularly working more than 10 hours a week directly with/on clients. When we say “with/on your clients”, we mean direct hands-on hours of performing your services which would exclude any administrative work, marking tasks, and/or any other non-service specific tasks that are performed with/on/for a client.
Your policy applies anywhere that you provide your services! No matter if you’re a makeup artist who is helping a bride look their best on their wedding day or spray tanning a client at their home before a date or at a client’s home. As long as you follow local and state regulations, your coverage is valid in all 50 states.
Real-World Beauty Insurance Coverage Examples
See how beauty professional liability insurance protects you from actual incidents that happen to cosmetologists, estheticians, nail technicians, and other beauty professionals every day.
Hair Color Chemical Reaction
A client experiences a severe allergic reaction to hair dye, resulting in scalp burns and hair loss. They require medical treatment and sue for damages and lost wages.
How You're Protected:
Professional liability covers medical expenses and legal fees when clients claim injury from chemical services, even when proper procedures were followed.
Facial Treatment Skin Damage
During a chemical peel, a client's skin is burned due to an unexpected reaction. They claim permanent scarring and seek compensation for corrective treatments.
How You're Protected:
Professional liability protects against claims of improper technique, inadequate consultation, or failure to perform proper skin analysis before treatment.
Nail Salon Infection Claim
A client develops a serious nail infection after a pedicure and claims your tools weren't properly sanitized. They sue for medical bills and pain and suffering.
How You're Protected:
Professional liability covers claims related to sanitation practices, tool sterilization, and infection control in nail services and pedicures.
Eyelash Extension Eye Injury
During an eyelash extension application, adhesive gets in a client's eye causing corneal damage. They require emergency treatment and ongoing eye care.
How You're Protected:
Professional liability covers medical expenses and legal costs when clients are injured during lash services, microblading, or other eye area treatments.
Protect Your Beauty Career Today
For just $179/year, protect yourself from these real-world scenarios with beauty professional liability insurance. Join thousands of beauty pros who trust Elite Beauty Society.
Get Protected NowNationwide Beauty and Cosmetology Liability Insurance Coverage
At Elite Beauty Society, we offer liability insurance for beauty and cosmetology professionals across all 50 states. Whether you're based in bustling California or rural Maine, you can trust that our coverage meets your state’s requirements and protects you from unforeseen claims. With EBS, you gain peace of mind knowing that no matter where you practice, your business and professional reputation are safeguarded with comprehensive liability insurance tailored for beauty and cosmetology professionals. Select your state below to find the best coverage options for you.