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Get $40 off your first year of coverage
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Affordable Cosmetology Insurance Plans
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 400+ beauty and wellness services. No membership fee, no quote process. Get fully covered for less than 43 cents per day, in under five minutes.
1 Year Policy
PLUS $700 in Member Benefits
Elite Beauty Society Customer Testimonials
Coverage & Membership Highlights
While you may not have considered it, professional insurance is an investment every beauty professional should make.
Elite Beauty Society represents America’s 600,000+ cosmetologists, providing professional tools, public education, cosmetologist liability insurance, and issue advocacy. With 25 years of trust in the health, wellness, and beauty industry, EBS’ licensed professionals are the best protected cosmetologists in the industry.
The average claim in the beauty industry is more than $5,000. Don't risk your license, your assets, or your career.
Elite Beauty Society, peace of mind perfected.
Elite Beauty Society Professional Policy for Cosmetologists
50% Two Month Subscription to GlossGenius
GlossGenius is the leading schedule software in the industry.
FREE Professional Website
Access to our drag and drop website builder to begin building your brand today!
One Month FREE to BTC University
Access over 600+ hours in free continuing education.
EBS members have acess to group rates on health + dentail + vision + life + disability insurance from top carriers. PLUS access to tele-medicince for only $9.99, no copay required.
Lifestyle + Industry + Travel Discounts
Save instantly on hotels, rental cars, flights and more. Plus save on your favorite beauty and lifestyle brands.
And MUCH More!
Personal protective equipment discounts, tech discounts, UPS discounts, and more! EBS is always expanding benefits for our members.
Why Do You Need Cosmetology Insurance
While every effort is made to practice safety, accidents can still happen. It is imperative that your cosmetology liability insurance provides the two most important kinds of coverage: professional and general liability.
As a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance. You strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.
In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include liability coverage. In fact, obtaining cosmetologist liability insurance may also be required by law.
The main reason insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality.
If you are wondering why you might need the safety net of cosmetology liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims.
There are three main areas of accident or injury that your insurance program should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business.
For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses.
The other two types of accident or injury that your cosmetology insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment. These aspects of your coverage are referred to as malpractice and product liability.
As an example, if you accidentally burned someone with a hot tool during her appointment, she may make a claim of malpractice, which means she believes the burn occurred due to a lack of skill or competence on your part as the cosmetologist. This is why cosmetologist insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
Professional Liability Insurance for Cosmetologists
1 Year Rate
2 Year Rate