Cosmetology Insurance

Tailored to Your Cosmetology Career.

Why Choose EBS for Your Cosmetology Liability Insurance Needs?

Excellent-rated cosmetology liability insurance that covers beauty professionals for more than 450+ beauty and wellness services. No hidden fees, no quote process. Get A+ rated coverage for less than 49 cents per day, in just five minutes.

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 cosmetology insurance, EBS has over $750 of member perks tailored to the beauty industry.

What Customers Are Saying

Elite Beauty Society is proud to have 5- star, excellent-rated customer reviews. 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.


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.


EBS Customer

What Services Do We Cover?

EBS offers coverage for more than 450+ beauty and wellness services.

  • Hair Extensions
  • Design, Cut, & Styles
  • Instruction
  • Permanent Hairstyle
  • Wig Stylist
  • Thermal Styling
  • Hair Treatments
  • Hair Coloring
  • Men's Grooming
  • Shampooing/ Conditioning
  • Hair Bleaching
  • Hair Braiding
  • Children Services
  • Blow Outs
  • Facial Waxing

Cosmetology Insurance Highlights and Coverage

As a cosmetologist, you are a licensed professional that knows hair treatments and styling and offers services to make clients look and feel their best. Even the most skilled cosmetologists, giving clients their utmost attention and care, can find themselves facing a claim for accidents that may have happened at the salon or during a service.

One of the most cost-effective safeguards available is to have cosmetology liability insurance. Elite Beauty Society offers comprehensive coverage that will protect your career, equipment, and identity.

Cosmetology Insurance Coverage Details

Professional & General Liability

$2 Million per occurrence
$3 Million per year

Product Liability Coverage

$2 Million

Rental Property Damage Protection


Identity Theft Protection


Stolen Equipment Protection


Elite Beauty Society Member Perks 

Free Two Week Trial + One $1/Mo Subscription to Booksy

#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

Everything You Need Bundled into One $169 Policy

We designed a policy that makes things easy. Get insured 100% online in less than 2 minutes and receive immediate coverage and proof of insurance.

Not quite ready for coverage? You can still sign up today and set your policy to start any day up to 90 days from when you purchase.

Bonus Benefits

  • Free Custom Website
  • Industry Product & Tool Discounts
  • Portable coverage that follows you anywhere you practice

EBS Plan Details

Professional & General Liability

$2 Million per occurrence
$3 Million per year

Product Liability Coverage

$2 Million

Rental Property Damage Protection


Identity Theft Protection


Stolen Equipment Protection


What is the Cost of Cosmetology Insurance?

Your cosmetology liability insurance policy protects you and your salon suite. Elite Beauty Society offers affordable coverage at one flat rate. When shopping for professional cosmetology liability insurance, the price can be a major deciding factor. But, does more expensive really mean better coverage? Other competitors have membership fees to obtain liability insurance. But with Elite Beauty Society's Insurance, there are no membership fees, and you will receive coverage that is tailored to protect you as a cosmetologist.

See our rates below:

Two Year

Lock in a rate of $139 per year by purchasing our two year policy, with all the same benefits.




One Year

Protect your career for a single year. Get comprehensive coverage at the most affordable rate.





Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.




Elite Beauty Society offers beauty insurance monthly payment options, as low as $15.49/month through Paypal Credit.

Why You Need To Protect Your Cosmetology Career

Whether you are renting a salon suite or salon booth/ chair, work in your own salon, or as a freelancer, purchasing a cosmetology 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 for researching and purchasing a professional and general liability insurance policy. Below is a complete breakdown of everything you need to know about a cosmetology insurance policy.

Cosmetology Insurance FAQs

What Kind Of Liability Insurance Do Cosmetologists Need?

Working with people face-to-face, using shears, heat tools, and products, there is too much of a risk for 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 from allowing customers to enter your premises. If a customer trips over a loose tile in your salon and injures themselves, they can hold you liable for the damages. 

Personal liability is often called “malpractice” insurance. This coverage provides provisions for injuries and other loss events that occur in the event of you providing your service. If your hand slips with a curling iron and you accidentally burn your client, they may hold you liable for their injuries.

EBS’s comprehensive cosmetologist & hairstylist insurance policies go far beyond the bare minimum with additional coverage for product liability, rental property damage protection, stolen/damaged equipment protection, and even identity theft protection for members. It’s just one way we have your back, no matter what.

I’m Renting A Chair At A Salon, Do I Need Cosmetology Liability Insurance?

Absolutely. While cosmetology may seem fairly tame, no matter where, when, or how many hours you’re working, you’ll be using tools that can, and have, produced injuries to clients. 

While renting a chair at a salon, you’ll be classified as an independent contractor and not generally covered under the salon owner’s professional liability policy.

That’s why it’s important to have your own coverage for any possible claim that can arise in the course of providing your services to clients.

What Are The Coverage Limits Of An EBS Cosmetology Insurance Policy?

With a cosmetology liability insurance policy from EBS, you’ll have

  • $2 Million limit for both Professional Liability and General Liability claims, up to a $3 Million Individual Annual Aggregate. An Individual Annual Aggregate means you personally have a $3 Million limit each year, no matter how many claims are filed, as opposed to many carriers which “pool” claims for businesses. 
  • $2 Million in Product Liability coverage, which covers you in the event that a product malfunctions and causes loss or injury.
  • In the event that a rented facility received damage, you’ll be covered up to $100,000.
  • $25,000 in Identity Theft Protection
  • $1,000 in Stolen/Damaged Equipment protection.

What's The Difference Between Claims-Made & Occurrence Form Coverage?

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.

Do Students In Cosmetology School Need Cosmetologist Insurance?

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. For the low cost of just $25 for a full year of coverage, our student policies offer an incredibly cost-effective means to protect you and your future business from claims against you while still in school. Plus, you’ll have all the same access to an incredible array of members-only benefits as our professional members included with the cost of your student policy.

How Much Is An EBS Cosmetology Insurance Policy?

Our rates are some of the best in the industry. We provide different options for cosmetologists 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 $169 a year, good anywhere you provide your services in U.S.
  • Two-year cosmetologist insurance policy, the rate is $279.95, a $38.05 savings over buying two, one-year policies.
  • Student rates are $49 for a full year of coverage. 

Based on demand, we’ve also made available a benefits-only plan which provides identity protection, a professional website, and access to loads of discounts and special offers for an incredibly low rate of $39 per year.

How Do I Know if my Beauty Service is Covered?

We cover 450+ 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 and  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 800.326.5566 or email

What Are The Benefits Of Being An EBS Member?

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 and help grow every cosmetologist. 

You will have access to the EBS resource center which holds a wealth of information on topics like "how to set up a successful business", education tools, eBooks, and so much 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. To name a few, you will get save on PBF memberships, free Booksy trials, access to ACA qualified health insurance, and one month free to online therapy from BetterHelp. We are continuously adding more. 


Get peace of mind & grow your career at one affordable rate.

How Soon After Purchasing A Policy Will I Receive Proof Of Insurance?

You will receive your certificate of insurance immediately after purchasing your cosmetology insurance.  You will also get access to your member portal where you can see your insurance documents at any time.

How Does EBS Know The Business Of Cosmetology?

At EBS, we are a community of beauty professionals that have had experience in the industry. Being built by professionals gives us the advantage to tailor our program directly to the cosmetologists.

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 800.326.5566 or email

How Do I Find The State Board Requirements To Get A License?

The State Board of Cosmetology in the state that you want to offer services in is the governing body which 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.


How Do I Transfer My Cosmetology License From One State To Another?

The best resource for license information is the State Board that governs your modality in the state that you want to offer services in. 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 simply 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.

How We Stack Up Against the Competition

 Associated Hair ProfessionalsNext Beauty InsuranceElite Beauty SocietyHands on Trade AssociationBeauty & Bodywork Insurance
Professional & General Liability Included?
Product Liability Included?
Rental Premises Coverage Included?
Identity Protection Coverage Included?$$$Add'tl Cost
Stolen Equipment Coverage Included?$$$Add'tl Cost$$$Add'tl Cost
Health, Dental & Vision Coverage Access Included?
Includes Member Benefits?
Coverage in 50 States?
Monthly Payment Options?
Price$199At a Quote$169$165$96

Still Have Questions?

Our live customer service representatives are available 8:30 a.m. to 5:30 p.m. EST. If you need to update your policy information or have any questions about our program, email or call us at 1 (800) 326.5566.

Insurance Guide

Grow Your Cosmetology Career With Us

Elite Beauty Society is dedicated to empowering the career of all cosmetologists. We have provided the latest news, trends, and business tips to take your career to the next level.

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, 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. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) 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. Healthcare Professionals Purchasing Group, LLC 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. Healthcare Professionals Purchasing Group, LLC is not an insurer. 820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082.