Beauty & Cosmetology Insurance


From cut to color to styling, hairstylists offer multiple services to support their clients.

When you purchase cosmetology insurance from Elite Beauty Insurance, you can be sure you are covered for 350+ modalities & services for one, low price.

Whether you are working in your own salon, rented space, or work as an employee, Elite Beauty Insurance has you covered.

Introducing,

A-Rated cosmetology insurance coverage tailored to you!

$159/year

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

elite beauty insurance

Your Cosmetology Insurance Coverage Limits

Professional and General Liability Insurance:

$2 million per occurrence, $3 million per year

Product Liability:

$2 million per year

Rental Damage Insurance:

$100,000

Stolen Equipment Insurance:

$1,000

Elite Beauty Insurance offers the industry-preferred Occurrence Form coverage. This covers claims for incidents during coverage, even if the claim is filed after your policy expires.

Professional Rate

One policy covers over 350 beauty and wellness services.

$159/year

Student Rate

Receive the same benefits as the professionals.

$25/year

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


Your Insurance Benefits Policy

INSTANT COVERAGE

Get instant coverage and digital proof of insurance emailed to you immediately at checkout.

Occurrence Form Policy

Elite Beauty Insurance covers claims for incidents during coverage, even if the claim is filed after your policy expires. Click here to learn more.

One Annual Magazine Subscription

Choose from one of six national beauty publications: Beauty Launchpad, The Colorist, Eye Lash, NailPro, DAYSPA, or MAN Magazine.

What Services Do We Cover?

We offer coverage for more than 350 beauty and wellness services. If you don't see what you're looking for below, click here to view our full list.

  • plus
    Chemical Wave
  • plus
    Children
  • plus
    Custom Wrap
  • plus
    Design, Cut, & Style
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    Flash or Balayage Highlights
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    Hair Bleaching
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    Hair Coloring
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    Hair Treatments
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    Hairshaping
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    Instruction 
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    Permanent Wave
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    Shampooing
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    Straightening
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    Thermal Styling
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    Waves
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    Weave
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    Wet Styling
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    Wig Stylist

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


Comparison of Cosmetology Insurance

Associated Hair Professionals

Alternative Balance

Health and Beauty Association (NAMT/ former IMA)

Occurrence-Form Coverage Yes
No
Yes Yes
Professional & General Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
$1 Million Per Occurrence
$3 Million individual aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Product Liability
$2 Million/ occurrence
$2 Million/ occurrence
$1 Million
$2 Million/ occurrence
Hour Qualification
No Hours Required
No Hours Required
No Hours Required No Hours Required
Required CE hours
No
No
No No Hours Required for Insurance
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
$300,000
$300,000 (Fire and Water only) $100,000
Stolen Equipment Optional—Add $95 No No $1,000  *$250 deductible
Identity Protection Plan No No No $25,000
Annual Fee
$199/yr
$249/yr
$189 first year
student rate
$199/yr
$99.95 first year
student rate
$159/yr Professional
$25 first year Student
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 APPLY NOW
 
Occurence- Form Coverage
Professional & General Liability Insurance
Product Liability
Required CE hours
Hour Qualification
Rental Damage Coverage
Stolen Equipment
Identity Protection Plan
Annual Fee $199 $249 $199 $159
APPLY NOW
 
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

Elite Beauty Insurance for Students

Receive the same benefits as the professionals

Students receive the same benefits as our professionals, as long as they are still in school when they enroll.

One, low rate and instant coverage

Elite Beauty Insurance offers an exclusive student rate at the discounted price of $25 per year.

Protect your career

Enroll now or call us today and we'll be happy to answer any questions or get you covered in just minutes.

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

Elite Beauty Insurance for students

Still Have Questions?

Our live customer service representatives are available 8:30 a.m. to 5:30 p.m. EDT. We want to be sure you feel confident, so we have an after-hours line, too! If you need to update your policy information or have any questions about our program, simply email info@elitebeautyins.com or call us at 1(844) 921-4452.

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The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. The Doyle Group. is the insurance partner for Elite Beauty Insurance. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Elite Beauty Insurance program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Elite Beauty Insurance program. Professional Liability and Commercial General Liability coverage under the Elite Beauty Insurance program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Elite Beauty Insurance  is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members.  Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc,  The Doyle Group or Elite Beauty Insurance are insurers.  820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082