Acne Specialist Liability Insurance
Excellent-rated acne specialist liability insurance. Covering beauty professionals for more than 500+ beauty and wellness services. Get A-rated professional insurance for acne specialists for less than 49 cents per day in just five minutes.
Immediate Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Liability Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Insurance Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Save Hundreds with Member Benefits
We are more than just Acne Specialist Insurance, EBS has over $750 of member perks tailored to the beauty industry.
Immediate Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Member Benefits
We are more than just Acne Specialist Insurance, EBS has over $750 of member perks tailored to the beauty industry.
How Much Does Acne Specialist Insurance Cost?
Elite Beauty Society offers affordable insurance for acne specialists at one flat rate starting at $179/year. Your acne specialist liability insurance policy protects you and your salon suite. When shopping for acne specialist insurance, the price can be a major deciding factor. But does more expensive really mean better liability insurance? Other competitors have membership fees to obtain liability insurance. Our acne specialist insurance has no membership fees. You will get insurance coverage that protects you as an acne specialist.
See our rates below:
Two Year
Lock in a rate of $149 per year by purchasing our two year policy, with all the same benefits.
$
299
/year
One Year
Protect your career for a single year. Get liability insurance coverage at the most affordable rate.
$
179
/year
Student
Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.
$
49
/year
Acne Specialist Insurance Benefits, Highlights, and Coverage
As an acne specialist, you are a licensed beauty pro. You know acne fighting techniques and offer services to make clients look and feel their best. Even the best acne specialist gives clients their utmost attention. But, they can find themselves facing a claim for accidents. These accidents may have happened at the salon or during a service.
One of the most cost-effective safeguards available is to have acne specialist insurance. We offer comprehensive acne specialist insurance coverage to protect your career and identity.
Acne specialist insurance is designed to protect acne specialists from the expense of liability lawsuits and claims against them. As a professional beauty worker, an acne specialist works closely with clients to achieve their skin goals.
While the beauty industry can be an exciting and rewarding career, it comes with a certain amount of risk to the client. If something goes wrong during treatment and a client is injured, they could hold the cosmetologists liable. They would have to pay for the client's compensation. Acne specialist liability insurance can help cover the cost of a liability claim against an acne specialist.
The expense of a liability lawsuit or liability claim against you could be astronomical. Liability insurance is a safety net to help protect your finances. Elite Beauty Society has created a liability insurance plan specifically for acne specialists. This coverage helps protect you if something goes wrong while working with a client.
Even though acne-treating pros pay close attention to their clients and treat them with the best care, people still make mistakes. Accidents happen to anyone and can be a big liability at work. If a client is hurt in your salon chair or during a service, they could legally force you to pay compensation.
These days, acne specialists are more likely to face a liability lawsuit or insurance claim against them than ever before. Protecting yourself, your career, and your finances is an important investment in your future. Acne specialist liability insurance is the protection you need.
The acne specialist insurance plan from EBS provides sufficient coverage for multi-angle liabilities. We help protect you from general and professional liabilities and take it a step further. We provide the coverage you need to protect yourself, your reputation, your workspace, and your identity.
Let's look at some examples of how acne specialist insurance could help protect you in the future:
Example One: A client comes in for an acne treatment. As you apply a chemical peel to their face, you accidentally spill the solution onto an area not meant for treatment. Unfortunately, the solution causes intense burning and discomfort on the client's skin. After seeking medical attention, the client hires a lawyer and holds you responsible for their medical expenses. Acne specialist insurance from EBS could help cover the cost of that lawsuit.
Example two: The client is coming in for an acne treatment session. While walking back to your chair, the client trips over a loose carpet on the floor. When the client hits the ground, you hear a sickening crunch as their arm breaks underneath them. You call an ambulance, and your client is taken to the hospital for medical treatment. The client demands that you pay their medical expenses, time away from work in recovery, and other related costs. In this situation, general liability insurance would be needed to help cover the cost of the lawsuit.
Being affiliated with top-tier insurance partners like the Arthur J. Gallagher family, Elite Beauty Society continues to build on a history of excellence. Since 1927, Gallagher has become one of the most esteemed brokers in the insurance world. As a global insurance broker, Gallagher has built a reputation for creating reputable, trustworthy, and caring companies. Elite Beauty Society is proud to be affiliated with like-minded companies like Gallagher who put policyholders first.
With numerous awards for excellence and work environment, Gallagher has been repeatedly recognized for its excellent work in the insurance industry. Elite Beauty Society embodies the mission and excellence for which our affiliates, like Gallagher, are known. We strive for excellence in everything we do to stand up to our reputation and live up to our credentials.
Elite Beauty Society: A History of Exceptional Success
We're proud of how Elite Beauty Society has impacted the world of cosmetology. Our policyholders are some of the best in the business. With hundreds of verified positive reviews, our clients are pivotal to our reputation as an insurance provider. Real customers have consistently reported excellent service, friendly experiences, and prioritized customer satisfaction.
We are both humbled and honored to have a reputation of excellence and a history of success. We've helped thousands of acne specialists get the coverage they need to feel safe and protected in their careers. Our comprehensive coverage and excellent service are a testament to what we are all about. We want our policyholders to have total confidence in their coverage.
Acne Specialist Insurance Coverage Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
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 acne specialists, one risk is burning a client's skin with bleaches and ammonia. Another risk is damaging a client's hair, leading to breakage or hair loss.
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. Professional liability insurance at EBS also covers product use.
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 in your salon, general liability would protect you from paying the client's compensation. General liabilities are common and can happen anywhere. So, protection from them is essential to acne specialist insurance.
In today's world, more than word-of-mouth marketing is needed to be a successful acne specialist. Most beauty professionals today have a massive online presence. Almost every acne specialist uses social media to promote their business. They also use online banking to manage their finances and their website to reach clients. The internet era has given us an excellent opportunity to reach new clients and engage customers. But, 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 acne specialist insurance policy. We want our policyholders to be well protected from every career threat. While most other acne specialist 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.
And that’s not all! Personal and Advertising Injury policy helps protect you if you’re accused of libel, slander, or false advertising.
Our Beauty Professional Liability Insurance Member Perks
It's no secret that we love our Elite Beauty Squad members, which is why we have created exclusive perks and member benefits that support you, your career, and long-term success in this industry.
When you purchase an Elite Beauty Society policy, you will immediately receive access to exclusive member benefits including discounts to your favorite beauty brands, a free website to help grow your business, preferred group rates on other insurance plans, marketing automation discounts, travel and lifestyle discounts, exclusive content tailored just to beauty professionals, and much more.
Elite Beauty Society was founded by beauty professionals for beauty professionals. We've curated our exclusive member benefits with you in mind, to support all aspects of your career.
All of our member benefits are worth more than $750 in savings and discounts—and we're always adding more!
50% off your first 2 months of subscription to GlossGenius Gold:
#1 Scheduling and Booking Software for Beauty Professionals
Discounted Health Insurance Marketplace:
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts:
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University:
Access 600+ Hours in Continued Education
And, So Much More!
Elite Beauty Society is continually adding more member perks to better serve our community
What Services Do We Cover?
EBS offers Acne Specialist Insurance coverage for more than 500+ beauty and wellness services.
What Our Customers Are Saying
We are proud to have 5- star, excellent-rated customer reviews for our beauty professional liability insurance. We are dedicated to bettering our insurance and membership to meet the needs of every cosmetologist.
Check out what some of our customers are saying:
Thankfully never had to use it, but Elite Beauty is quick, easy, and affordable. I would recommend it to other beauty professionals.
amy
EBS Customer
Everything I was looking for was covered by Elite Beauty Society. I liked the fact that it offers coverage for services I hope to add in the future. The site was fairly simple to navigate. I recommend if you're looking for straightforward, easy-to-understand information.
Tonia
EBS Customer
Why Choose Our Acne Specialist Insurance?
Just a Few of the Reasons We're the
Number One Choice For Acne Specialist Liability Insurance
We Offer The Industry-Preferred Type of Liability Insurance
Elite Beauty Society offers industry-preferred Occurrence Form liability coverage and individual aggregate limits that protect you from any claims that may arise. Our high insurance limits and great customer service protect you. Our acne specialist insurance gives you peace of mind. You are fully protected. If anything happens, we'll support you.
Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer Occurrence Form so that our customers can rest easy knowing they're protected even if their clients delay making a claim. Even if your acne specialist insurance lapsed, you're covered. Your license is protected if the incident happened during your policy.
Instant Liability Insurance Coverage, Immediate Certificate
Don't wait around for approvals or worry about providing education hours. Our policies are bound in minutes, and you can immediately download a digital proof of coverage certificate from your member portal. Our online application takes less than 5 minutes, so you can get back to what you're best at faster.
You Deserve More Than Numbers
Policy numbers aren't everything. You deserve an insurance company that's going to be there for you when you need it and policy numbers that translate into real assistance for you. With us, you can rest easy. If the worst happens, your policy limits include help from our licensed customer care team. They also cover legal defense if needed and the cost of the claim.
Why You Need To Protect Your Acne Specialist Career
You may work in your own salon or as a freelancer. Buying an acne specialist insurance policy supports and protects your career wherever you go. Liability insurance provides peace of mind and assurance no matter where your career takes you. A little insurance knowledge can empower you to make the right decision when researching and purchasing a professional and general liability insurance policy. Below is a complete breakdown of everything you need to know about an acne specialist insurance policy.
Acne Specialist Liability Insurance FAQs
Working with clients face-to-face, using hair dye and other chemical products, there is too much risk for an 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 for allowing customers to enter your premises. If a customer trips over a loose tile or a cord in your salon and injures themselves, they can hold you liable for the damages.
Professional liability is often called “malpractice” insurance. This coverage provides provisions for injuries and other loss events that occur in the event you provide your service. If your hand slips while coloring hair and you accidentally cause a burn or skin irritation to your client, they may hold you liable for their injuries.Absolutely. Treating acne may seem tame. But, no matter where, when, or how many hours you work, you’ll use tools that can and have harmed clients.
While renting a chair at a salon, you’ll be an independent contractor. You're not typically covered under the salon owner’s liability policy.
That’s why it’s important to have your own coverage for any possible claim that arises in the course of providing your services to clients.
With an acne specialist liability insurance policy from EBS, you’ll have the following:
$2 Million limit for both Professional Liability and General Liability claims, up to a $3 Million Annual Aggregate.
$2 Million in Personal Injury and Advertising Injury
$25,000 in Identity Theft 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. Our student policies cost just $49 for a full year of coverage. They offer a very affordable way to protect you and your future business from claims against you while still in school. Also, you’ll have access to the same incredible members-only benefits as our professional members. They are included in the cost of your student policy.Our rates are some of the best in the industry. We provide different options for acne specialist 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 $179 a year, good anywhere you provide your services in the U.S.
Two-year acne specialist insurance policy, the rate is $299, a $59 savings over buying two, one-year policies.
Student rates are $49 for a full year of coverage.
Due to demand, we've also made a benefits-only plan available. It provides identity protection, a professional website, and access to many discounts and special offers. It all costs just $39 per year.
We cover 500+ 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. 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 866-868-3360 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 of every acne specialist and help them grow.
You will have access to the EBS resource center. It holds a lot of information on topics like "how to set up a successful business," education tools, eBooks, and 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. You will save on PBF memberships and get free Booksy trials. You will also get access to ACA-qualified health insurance. Plus, you will get one month of free 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 hair colorist 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 who have had experience in the industry. Being built by professionals gives us the advantage of tailoring our program directly to the acne specialists.
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 866-868-3360 or email info@elitebeautysociety.com.
The State Board of Cosmetology in the state in which you want to offer services is the governing body that 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, which governs the state requirements where you want to offer services. 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 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.
Get Your Insurance Guide eBook
Make sure to secure a future for your business! Download our Liability Insurance Ebook now for expert insights on coverage essentials and risk management. Don't let uncertainties affect your passion – empower yourself today!
How We Stack Up Against the Competition
| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Product Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Protection Coverage Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Monthly Payment Options? | |||||
| Price | $199 | At a Quote | $179 | $175 | $96 |
Grow Your Acne Specialist Career With Us
Elite Beauty Society is dedicated to empowering the careers of acne specialists. We have provided the latest news, trends, and business tips to help you take your career to the next level.
October 26, 2024
KEY TAKEAWAYS: An emergency fund is a must for your beauty business for many reasons. From protecting your livelihood in unforeseen circumstances to replacing equipment unexpectedly, your emergency ...
October 8, 2024
KEY TAKEAWAYS: To celebrate Hispanic Heritage Month, Elite Beauty Society is proud to present a month of spotlights on talented Hispanic salon owners, beauty pros, and cosmetologists. Each ...
September 18, 2024
KEY TAKEAWAYS: To celebrate Hispanic Heritage Month, Elite Beauty Society is proud to present a month of spotlights on talented Hispanic salon owners, beauty pros, and cosmetologists. Each ...
May 7, 2024
KEY TAKEAWAYS: EBS shares what newly graduated beauty pros fresh out of cosmetology school should do to further their careers. The article suggests finding an apprenticeship or mentor, building ...
March 5, 2024
How to Celebrate International Women's Day in Ways That Give BackMarch is here, and an epic day is on its way! For those of you who aren't aware ...
January 24, 2024
The Beauty Pro 2024 EBS Trade Show CalendarEverything Beauty Pros Need to Know About This Year’s ExposIt’s a new year, and that means it’s time to refocus your ...