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Beauty Insurance: Everything You Need To Know In 2020

No matter what kind of professional you are and how you earn a paycheck, we have a beauty insurance policy that marries up with where and how you provide services. All of our policies are designed for maximum flexibility and follow you every step of your career. 

In fact, you can go from being a mobile beautician that provides in-home services, to a 1099 independent contractor at a salon, to an employee, and back again. The portability portion of our policy says no matter where you go and however you operate in the U.S., your insurance policy is right there for you. Next up, we’ll cover all the ins and outs of our comprehensive insurance plan to give you a better idea of everything that’s included. 

Below is the A to Z guide for everything you need to know about beauty insurance.


What Is Professional Liability Insurance?

Professional Liability Insurance is a form of risk management in which the insured cosmetologist or beauty professional can be protected and relieved of the financial responsibility in the event of a potential claim. General Liability also falls under this umbrella.

What does that mean?

It is designed to protect beauty professionals from claims arising due to negligence, professional malpractice, and accidents during services rendered. General Liability protects beauty professionals due to accidents that may happen, that are out of the stylists control. General Liability is sometimes referred to as "slip and fall" insurance.


How Does Professional Liability Insurance Cover Beauty Professionals?

Whether in school or with direct experience in the beauty industry, most have heard of professional liability insurance. Indeed, some state boards require proof of insurance as part of their licensing process. Even if you’ve heard of professional liability insurance for beauticians, do you know exactly what it covers? 

Professional liability is but one key area of coverage within our beauty insurance policy. Beauty insurance is a tailored policy made just for those practicing this line of work. Estheticians, cosmetologists, makeup artists, nail techs—there are a lot of specializations within this field which require a policy made just for them. 

That’s where Elite Beauty Society set out to make a comprehensive yet extremely affordable policy for all beauty professionals. This policy provides millions of dollars in core protection and additional safeguards that cover every aspect of your career so you can practice what you love with absolute confidence.


The Cosmetology Industry Carries Risks

The art of helping a client feel and look their best through beauty services is a very rewarding field but the same process that can help can also harm when an unforeseen event strikes. There are unfortunately many different lawsuits that are brought against cosmetologists each year. 

A few of the all-too-common causes for clients grievances against their beauticians as a whole include:

Injuries to the scalp, face, and/or eye-area:

  • Many different beauty treatments center around these three areas. Whether that’s a scalp treatment or an eyebrow shaping, there are many extra-sensitive areas around the head area in which the slightest misstep can bring about injuries. Professional liability relates to those events that come as a result of the beauty service you provided. That’s why EBS’s beauty insurance policies come stacked with a high-level of professional liability protection.

Slip, trip, and falls:

  • This is by far one of the most common types of injuries that can happen to just about any professional or business. It could be as simple as forgetting to sweep some hair in between sessions on a busy day that leads to a slip, trip, and fall injury that could easily bring about a multi-million dollar lawsuit. But not to fear, these types of injuries are well provided for under the general liability protection afforded under our beautician insurance policy.

Cuts, bruises, and abrasions:

  • Using scissors, cuticle trimmers, eyebrow razors, strong chemicals, and all the other tools and products to pull off the signature look your clients demand are all able to harm someone quite easily. A quick trim around the ears could be all it takes to nick the client's ear, which can then lead to infection, hospitalization, and a hefty demand for you to pay for all the costs.

Hair care gone wrong:  

  • Again, when dealing with a lot of different tools and equipment, sometimes it isn't an injury but rather a botched hair job. Consider this, your client is a model that’s on their way to a shoot. They come to you for a balayage treatment in which you leave the highlight compound in too long and unfortunately damage their hair. This client may decide to sue for their lost wages and other costs associated with repairing the damage.

Wax burns:

  • One of the most common types of incidents with estheticians is wax burns or peeling. You're applying hot wax directly to the skin which can easily lead to injuries even when you are being extra careful.

What Are The Types of Liability Insurance?

The simple point is that the beauty industry carries a lot of risk for professionals. The law can decide that you bear responsibility when someone is injured or has their property damaged under your watch. When you don’t have beauty insurance, these costs would unfortunately come solely out of your own pocket.


What Is The Difference Between Occurrence Form and Claims Made Coverage?

Another really important aspect when comparing beauty insurance plans is to look at occurrence form versus claims made policies. We follow the industry-preferred choice with occurrence form policies which help give you more time to file a claim after an event. Occurrence form gives you a length of time after the policy expires to still go back and file a claim for events that occurred when the policy was active.

We think this works better in the real world such as if you had a claim on December 31st but then your policy expired January 1, and you didn’t file until January 3rd. With occurrence form, you’d be able to file a claim since the policy was still active when the event took place. Conversely, since you waited to file until after your policy expires, claims made policies typically don’t apply any coverage, leaving you having to pay any out-of-pocket costs. 

It is not always clear which option to choose when selecting insurance, and some companies hide their policy details. We're here to clear the confusion when it comes to occurrence form vs. claims-made policies.

OCCURRENCE FORM:

 Coverage includes any claim filed even after your policy expires, as long as the incident in question took place while your policy was active. 


CLAIMS-MADE:

Coverage does not include claims filed after your policy is expired. Only covers policyholders for claims filed while the policy is active.


How Much Should I Be Paying For Cosmetology Insurance?

Easily one of the most asked questions we receive is “how much is beauty insurance”? What most people are really asking is how much is the policy and any membership fees, dues, etc. Other plans can include all of these extra costs but at EBS, we provide one, low rate that you can see right up front. At present, professionals can get full and immediate coverage for just $169 per year.

We do this so our members-to-be can see exactly what coverage they can get, the benefits they can expect, and how much the program will cost them. This helps a beauty pro calculate the total value received with our plan and weigh that in their own unique situation. 

Elite Beauty Society offers the most comprehensive and affordable beauty professional liability insurance available today. Included with Elite Beauty Society's cover are some of the exclusive member benefits and perks below.

One Year


SAVE $10 WITH THIS FIRST YEAR INTRODUCTORY RATE AND TAKE ADVANTAGE OF EVERYTHING WE HAVE TO OFFER.


$169 / YR

Two Year


LOCK IN A RATE OF $139 PER YEAR, BY PURCHASING OUR TWO YEAR POLICY, WITH ALL THE SAME BENEFITS.


$279.95 / YR

Student


PROTECT YOURSELF IN SCHOOL & AFTER. BUY A POLICY JUST BEFORE GRADUATION FOR A FULL YEAR OF COVERAGE.


$25 YR

Or Call 800.326.5566 To Talk To A Live, U.S. Based, Customer Service Representative

Policy Highlights

  • Professional & General Liability: $2M per occurrence, $3M per year
  • Product Liability: $2M per year
  • Rental Damage Insurance: $100,000
  • Stolen Equipment Insurance: $1,000
  • Identity Theft Protection: $25,000
  • Instant Coverage & Immediate Certificate

PLUS FREE MEMBER BENEFITS

  • FREE Professional Website
  • FREE Subscription to One of Five Industry PublicationsBeauty LaunchPad, DAYSPA, Eyelash, MAN, or NailPro
  • Product and Tool Discounts and Promotions
  • FREE eBooks, Contests Business Resources, and More!

Or Call 800.326.5566 To Talk To A Live, U.S. Based, Customer Service Representative


How Elite Beauty Insurance Compares

Associated Hair Professionals / Associated Skincare Professionals

Health & Beauty Association

Hands On Trade Association

NEXT Insurance

Beauty and Bodywork Insurance (Insure Bodywork)

Alternative Balance

NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by Elite Beauty Society as to the accuracy or completeness of this information. Date that we confirmed this information 2/14/18.

Or call 1(844) 921-4452 to speak to a live insurance representative.

Understanding the Beauty Insurance Comparison Grid

We’ve put together a comparison showcasing the really important provisions you should look for when considering the beauty insurance and/or bodyworks insurance that’s right for you. We give you this unabashed viewpoint because we’re proud of our program that combines affordability with great coverage for today’s pros. We’re confident once you see how we compare to other leading names in beauty insurance, you too will join the 100’s of your fellow beauty pros that continually rate our program as ‘Excellent’.

 Beauty Insurance FAQs

How to compare hair and beauty insurance? What’s the difference?

How does Beauty and Bodywork Insurance compare?

What is Beauty Insurance Plus?

What are salon insurance prices near me?

Do hair stylists need insurance?

Do I need microblading insurance if I rent space at a salon?

What’s the difference between beautician insurance and cosmetology insurance?

What Insurance does a Beauty Therapist Need? 

What Insurance Do I Need for Mobile Beauty?

What types of member benefits come with an Elite Beauty Society policy?

What kind of insurance does a cosmetologist need?

What is the best cosmetology insurance on the market?

What is beauty insurance?

Where can I see Beauty and Bodywork insurance reviews?

Do I need beauty insurance if I work in a mobile salon?

How do I know which services I provide are covered by Elite Beauty Society?

How Much is Beauty Insurance?