We offer a beauty insurance policy tailored to seamlessly align with the locations and methods of your service provision. Our policies are crafted for utmost flexibility, accompanying you at every stage of your career journey.
Whether you transition from being a mobile beauty pro offering in-home services to a 1099 independent contractor at a salon, or shift between roles as an employee, our insurance policies adapt to your evolving needs. The portability feature ensures that no matter where you operate in the U.S., your insurance coverage remains steadfastly by your side.
In the upcoming section, we will delve into the details of our comprehensive insurance plan, providing you with a thorough understanding of all the inclusions and benefits it encompasses.
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 Insurance, often referred to as malpractice or errors and omissions insurance, is crucial for beauty professionals as it provides coverage in the event of claims related to negligence, errors, or omissions in their professional services.. 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.
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 a low rate that you can see right up front. At present, professionals can get full and immediate coverage for just $179 per year.
Elite Beauty Society offers the most comprehensive and affordable beauty professional liability insurance available today. Included with Elite Beauty Society's coverage are some of the exclusive member benefits and perks below.
One Year
OUR FIRST YEAR INTRODUCTORY RATE AND TAKE ADVANTAGE OF EVERYTHING WE HAVE TO OFFER.
Professional & General Liability: $2M per occurrence, $3M per year
500+ Covered
Identity Theft Protection: $25,000
Personal Injury and Advertising Injury: $2M per year
Instant Coverage & Immediate Certificate
PLUS FREE MEMBER BENEFITS
50% off 2 Months of your subscription to GlossGenius booking software
10% off your subscription to BTCUniversity, online education
FREE Online Therapy through Better Help
Over $750 in additional discounts and benefits
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 could lead to 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 two types of coverage we’ve already hit on above are general and professional liability insurance for beauty professionals. These are without a doubt two of the most important coverage types simply because the bulk of the risk facing beauty pros originates in one of these two areas.
However, there are still other protection mechanisms you should see in a truly encompassing policy that account for the myriad of different scenarios that could present a loss event to a beauty insurance policy member.
With EBS beauty insurance, you get the best of both worlds in maximum coverage at minimal price. We build our plans to be both protective and affordable to give the best support possible for our members. As you run through all the ways you’re covered with EBS, you’ll see coverage types including the following:
General liability: remember that this important coverage is for accidents like slips, trips, and falls. You’ll have all the way up to $2 million in general liability coverage.
Professional liability: this is for the malpractice events in your career such as a wax burn, chemical burn, or other injury that occurs while a client is under your care. As with general liability, members get all the way up to $2 million for each claim, up to a $3 million individual annual aggregate.
Product liability: you need so many different products in the beauty biz that an allergic reaction is almost a “when” not “if” event for many pros. A bad allergic reaction can require advanced care and big medical bills your client may say you’re now responsible for paying. That’s why EBS provides $2 million in product liability coverage with every policy.
Identity theft protection plan: get all the way up to $25,000 in help from a dedicated identity restoration service if ever your identity is compromised.
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.
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.
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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.
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.
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?
In comparing all the different coverages available on the market today, you need to consider the types of coverage provided (general liability, professional liability, etc.), the limit amounts, the price of the policy and any additional fees, and any special requirements for your situation. Some carriers limit the services they cover to only a select few and may require additional premiums or not provide coverage altogether for the services you provide. When comparing esthetician and microblading insurance options, comprehensive and affordable liability coverage matters most.
How does Beauty and Bodywork Insurance compare?
To give a better picture of how our two insurance options compare, we’ll run down the important elements that should be present in a robust beauty insurance policy:
Beauty and Bodywork Insurance affords the same coverage limits for Professional & General Liability at $2 Million Per Occurrence and $3 Million Individual Annual Aggregate.
For Product Liability, Beauty and Bodywork provides $3 Million per Occurrence while Elite Beauty Society provides $2 Million.
Beauty and Bodywork affords members with claims-made policies. This means if a claim is filed against you after your policy expires, you most likely will not have any insurance coverage for this event. On the contrary, Elite Beauty Society offers an occurrence form coverage for our policies. With occurrence form, a claim is covered no matter when it’s filed as long as the incident in question occurs during the time when the policy was still active.
Beauty and Bodywork does not provide provisions for an identity protection plan. Elite Beauty Society includes this important provision to give our clients a greater hedge of protection from future uncertainties.
Beauty and Bodywork offers their student liability policy for $69 per year. Elite Beauty Society provides all of the same coverage options with our professional policies available to students for just $49 for a full year of coverage.
What is Beauty Insurance Plus?
Beauty Insurance Plus from Elite Beauty Society provides estheticians and cosmetologists with peace of mind knowing that should a future event give rise to a claim, they have a robust insurance package to protect them, their license, and their career. Beauty Insurance Plus affords members with coverage for incidents falling within the following areas:
General & Professional Liability
Product Liability
Personal & Advertising Injury
Additional benefits include an added layer of personal protection with an Identity Protection Plan, a free customizable website, product discounts from leading names in the industry like BTCUniversity and GlossGenius.
What are salon insurance prices near me?
At Elite Beauty Society, you’ll pay just $179 for one year of coverage or can purchase a two-year term at the discounted rate of $299. Our beauty insurance student plan is just $49 for a full year of coverage. For convenience, we offer a benefits-only plan for just $39.
Do hair stylists need insurance?
Absolutely. Styling hair may not seem like a form of intense work, but these professionals employ sharp instruments, hot irons and curlers, powerful chemicals and dyes, and other tools of the trade that can very well produce an injury or damage claim when an accident occurs. Hair stylists need a comprehensive insurance policy to protect themselves, their license, and their career should a future claim be leveled.
Do I need microblading insurance if I rent space at a salon?
Definitely. To protect your “business”, even when acting as a 1099 and renting booth space at another salon, you should still have a comprehensive microblading liability insurance policy in effect.
What’s the difference between beautician insurance and cosmetology insurance?
Elite Beauty Society includes the same provisions and coverage limits for both cosmetologists and beauticians.
What Insurance does a Beauty Therapist Need?
Beauty insurance should provide adequate coverage in the event of a claim, especially for those events that are more common within the beauty industry. Our tailored beautician insurance program provides great coverage for the many risks faced by today’s beauty and bodywork professionals.
General liability insurance protects beauticians from injuries or property damage in or around their premises. This extends beyond a brick and mortar salon, for mobile beauticians or freelance beauticians, a client needs only to slip and fall getting into your beauty chair for a claim against you to be filed.
Professional liability also requires stout coverage as it pertains to the actual services rendered in a professional capacity. A client that is displeased with their beauty treatment may seek restitution for some form of damages.
To provide 360-degree protection, our program also includes robust provisions for product liability insurance, personal and advertising injury, and even an identity protection plan.
What Insurance Do I Need for Mobile Beauty?
Mobile beauty insurance is sometimes viewed as an atypical service by some beauty liability insurance carriers. We know today’s beauty industry requires providing the best blend of services in order to meet the needs of your clientele. This may mean offering mobile services, renting demo space at the mall’s cosmetic counter, or working as a freelancer and needing freelance beauty insurance.
The beauty of our beauty insurance program lies in one important word - portability. Portability means that your insurance covers you wherever your present work or future career path takes you because your policy goes right with you. Within all 50 U.S. states, you will enjoy full and complete coverage throughout the entire length of your policy term no matter if you change jobs, move states, or how you offer services.
What types of member benefits come with an Elite Beauty Society policy?
Professional beauty insurance from Elite Beauty Society includes robust coverage options as well as some of the best benefits in the industry. As a benefit to members, we include:
Identity Protection Plan
Free Customizable Website
Discounts & Early Access on Products from Leading Names
Coverage in all 50 States
Instant Coverage with an Immediate Certificate of Insurance (COI)
What kind of insurance does a cosmetologist need?
At its most basic, any insurance policy for a cosmetologist or esthetician should include generous limit amounts within its general and professional liability provisions. General liability exists from any kind of claims asserting that bodily injury or property damage occurred and you are liable for covering the claimants expenses. Professional liability covers claims that are filed by a client claiming that they suffered an injury or other damages as a result of your professional negligence.
Bear in mind, this is the bare minimum and still leaves a beauty professional open to a host of other claims that could arise at some point in their career. For example, product liability is an important consideration for those in cosmetology as a claim could stem from something as simple as a bad reaction to a moisturizer you used on a client. Without proper coverage, you could be left paying for claims like this out of pocket. Elite Beauty Society affords members with robust coverage options for a wide range of potential claims and also includes a host of additional discounts meant to bolster your success in the field.
What is the best cosmetology insurance on the market?
The best cosmetology insurance is one that combines comprehensive coverage with premium affordability and does so in a fair and transparent manner. With Elite Beauty Society, you pay one flat rate for coverage and with more than 450 different modalities covered, you don’t have to worry about trying to add coverage each time you learn a new service. As well, members should receive additional discounts and promotions as a benefit. At EBS we provide a host of discounts and early-access deals from some of the leading names in beauty and wellness.
What is beauty insurance?
Beauty insurance from Elite Beauty Society covers more than 450 different modalities within beauty and wellness. Coverage from EBS includes provisions for general and professional liability claims, product liability, personal and advertising injury, identity theft protection, and many more ancillary benefits. This includes the services provided by cosmetologists, beauticians, and estheticians, as well as, hair stylists, nail decorations, and even massage. If you don’t see the specific service you offer currently listed, contact our knowledgeable sales team to see if we can have yours added!
Where can I see Beauty and Bodywork insurance reviews?
At Elite Beauty Society, we use TrustPilot, a powerful independent, third-party review site. We’re proud to have an “Excellent” rating with 4.8 out of 5 stars. Beauty and Bodywork insurance does not utilize TrustPilot.
Do I need beauty insurance if I work in a mobile salon?
Definitely. Mobile salons may not have a physical location but will hold many of the same liabilities as a brick-and-mortar operation. You’ll still be providing services that could potentially give rise to a claim. A client’s bad reaction to skin treatment or a professional model asserting your hair styling caused them to lose a big contract are both occurrences that can befall a beauty professional no matter where they provide services. Even working in a mobile salon, the best protection for yourself financially is a comprehensive beauty insurance plan.
How do I know which services I provide are covered by Elite Beauty Society?
Our professional beauty insurance program is proof that beauty and bodyworks insurance can offer great coverage at affordable rates. For the convenience of our members, we have several available options with our beauty liability insurance offerings. You can select a one-year professional program for $179, or, to cash in on an annual rate of $139, you can purchase a two-year policy at $299. We’re also proud to be able to offer a students-only plan for those still in beauty school at the discounted rate of only $49 for a full year of professional-level insurance coverage.