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 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 $150 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.




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.

What is Cosmetology Liability Insurance?

Cosmetology insurance is designed to protect cosmetologists from the expense of liability lawsuits and claims against them. As a professional beauty worker, a cosmetologist works closely with their clients to achieve their beauty goals. 

While the beauty industry can be an exciting and rewarding career, it comes with a certain amount of risk to the client. If something goes wrong during treatment and a client is injured or has their personal property damaged, they could hold the cosmetologists liable for the cost of their compensation. Cosmetology liability insurance can help cover the cost of a liability claim against a cosmetologist. 

The expense of a liability lawsuit or liability claim against you could be astronomical. Liability insurance is a safety net to help protect your finances. Elite Beauty Society has created a liability insurance plan specifically for cosmetologists. This coverage helps protect you if something goes wrong while working with a client.

Why is Cosmetology Liability Insurance Necessary?

Even though professional cosmetologists pay close attention to their clients and treat them with the best care they can provide, people still make mistakes. Unfortunately, accidents can happen to anyone and could be a significant liability in a professional setting. If a client is injured while in your salon chair or during a service, they could hold you legally responsible for paying for their compensation. 

These days, cosmetologists are more likely to face a liability lawsuit or insurance claim against them than ever before. Protecting yourself, your career, and your finances is an important investment in your future. Cosmetology liability insurance is the protection you need. 

The cosmetology insurance plan from EBS provides sufficient coverage for multi-angle liabilities. We help protect you from general and professional liabilities and take it a step further. We provide the coverage you need to protect yourself, your equipment, your workspace, and your identity.

Examples of Cosmetology Insurance Protection

Let's look at some examples of how cosmetology insurance could help protect you in the future:

  • Example one: A client is coming in for a hair coloring treatment. After the wash and rinse, you mix the coloring when you stumble and splash the client in the face with the mixture. Unfortunately, some coloring mixture lands in the client's eye and causes intense burning and discomfort. After seeking medical attention, the client hires a lawyer and holds you responsible for their medical expenses. Cosmetology insurance from EBS could help cover the cost of that lawsuit.

  • Example two: The client is coming in for a facial waxing session. While walking back to your chair, the client tripped over a loose carpet on the floor. When the client hits the ground, you hear a sickening crunch as their arm breaks underneath them. You call an ambulance, and your client is taken to the hospital for medical treatment. The client demands that you pay the cost of their medical expenses, time away from work in recovery, and other related costs. In this situation, general liability insurance would be needed to help cover the cost of the lawsuit. 

Insurance with Outstanding Credentials

Being affiliated with top-tier insurance partners like the Arthur J. Gallagher family, Elite Beauty Society continues to build on a history of excellence. Since 1927, Gallagher has become one of the most esteemed brokers in the insurance world. As a global insurance broker, Gallagher has built a reputation for creating reputable, trustworthy, and caring companies. Elite Beauty Society is proud to be affiliated with like-minded companies like Gallagher who put policyholders first. 

With numerous awards for excellence and work environment, Gallagher has been repeatedly recognized for its excellent work in the insurance industry. Elite Beauty Society embodies the mission and excellence for which our affiliates, like Gallagher, are known. We strive for excellence in everything we do to stand up to our reputation and live up to our credentials. 

Elite Beauty Society: A History of Exceptional Success

We're proud of how Elite Beauty Society has impacted the world of cosmetology. Our policyholders are some of the best in the business. With hundreds of verified positive reviews, our clients are pivotal to our reputation as an insurance provider. Real customers have consistently reported excellent service, friendly experiences, and prioritized customer satisfaction. 

We are both humbled and honored to have a reputation of excellence and a history of success. We've helped thousands of cosmetologists get the coverage they need to feel safe and protected in their careers. Our comprehensive coverage and excellent service are a testament to what we are all about. We want our policyholders to have total confidence in their coverage. 

Cosmetology Insurance Coverage Details

Professional & General Liability

$2 Million per occurrence
$3 Million per year

Product Liability Coverage

$2 Million

Personal Injury and Advertising Injury

$2 Million

Identity Theft Protection


Professional & General Liability

Professional liability is a blanket statement for the potential risks directly related to your occupation. These are industry-specific incidents that could cause harm to a client. Professional liability can also be known as errors and omissions. In other words, professional liability is something a professional does wrong while working. For cosmetologists, a professional liability may be puncturing a client's skin while giving them a haircut or causing a burn while performing thermal styling. 

Professional liability insurance helps protect a worker if they do something wrong that causes harm to a client. Professional liability insurance's protection is an essential component of overall liability insurance. If you're covered with professional liability insurance, you don't have to worry about the cost of a liability lawsuit against you. If you make a mistake and your client gets hurt, professional liability insurance can help keep your finances intact. 

If professional liabilities are directly related to your occupation, general liability is the opposite. General liabilities are non-specific to a career or vocation. These risks are universal in any industry. Another way to consider general liability insurance is slip and fall coverage. The incidents covered under general liability can happen in any industry and facility. The most common are trips, slips, and tumbles. 

General liability also covers personal property damage. For example, if your client drops their phone while slipping on your floor, general liability could also help cover the cost of replacing their mobile phone. 

General liability coverage offers protection from lawsuits involving universal risks or incidents. If a client falls and injures themselves while in your salon, general liability could help protect you from the cost of paying the client's compensation. As general liabilities are common and can happen anywhere, protection from general liabilities claims is essential to cosmetology insurance.

Product Liability Coverage

In cosmetology, products are the name of the game. You likely use a plethora of products in your work every day. As a pillar of cosmetology, the products you use help you make your clients look their best. In your work, you may use a different product for hair, nails, skin, etc. While professional cosmetologists will always use the products they feel best fits their client, a mistake or accident could happen. 

Product liability is often related to a bad reaction to a product you use. This could be an allergic reaction to an ingredient in the shampoo you use or an aggravated medical condition caused by a product used for skin care. 

In cosmetology, the potential for product liability claims is often much higher than in other industries. As products are an essential part of your occupation, it's important to have protection from product liability claims. Product liability coverage is a vital component of a thorough liability insurance plan for cosmetologists.

Identity Theft Protection

In today's world, more than word of mouth marketing is needed to be a successful cosmetologist. Most beauty professionals today have a massive online presence. Nearly every cosmetologist uses social media platforms to promote their business, manage their finances through online banking, or reach clients through their website. While the era of the internet has provided an excellent opportunity for reaching new clients and engaging your customers, it has also created the potential for loss due to identity theft. If you have any presence online, you are potentially at risk for hackers to steal your information. 

Elite Beauty Society includes Identity Theft Protection in our cosmetology insurance policy. We want our policyholders to be well protected from every career threat. While most other cosmetology insurance providers do not offer identity theft coverage, we make it a pillar of our policy. If you lose money due to an online predator, we offer protection to help you recoup your losses. 

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

Just a Few of the Reasons We're the 
Number One Cosmetology Insurance Choice

We Offer The Industry-Preferred Type of Coverage

Elite Beauty Society offers the industry-preferred Occurrence Form liability coverage and individual aggregate limits that protect you from any claims that may arise. Combined with our high insurance limits and superior customer service, our cosmetology insurance gives you the peace of mind that you are fully protected and if anything does happen, we've got your back.

Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer Occurrence Form so that our customers can rest easy knowing they're protected even if their clients delay making a claim. Even if your cosmetology insurance coverage has lapsed, you're covered and your license is protected as long as the incident occurred while your policy was active.

Instant Coverage, Immediate Certificate

Don't wait around for approvals or worry about providing education hours. Our policies are bound in minutes and you can immediately download a digital proof of coverage certificate from your member portal. Our online application takes less than 5 minutes, so you can get back to what you're best at faster.

You Deserve More Than Numbers

Policy numbers aren't everything. You deserve an insurance company that's going to be there for you when you need it and policy numbers that translate into real assistance for you. With us you can rest easy, because if the worst happens your policy limits include dedicated help from our licensed customer care team, legal defense if needed, and the cost of the claim.

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 Annual Aggregate. 
  • $2 Million in Product Liability coverage, which covers you in the event that a product malfunctions and causes loss or injury.
  • $2 Million in Personal Injury and Advertising Injury
  • In the event that a rented facility received damage, you’ll be covered up to $150,000.
  • $25,000 in Identity Theft 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 $49 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 $179 a year, good anywhere you provide your services in U.S. 
  • Two-year cosmetologist insurance policy, the rate is $299, a $59 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 866.574.0520 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 866.574.0520 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?
Personal and Advertising Injury Included?
Identity Protection Coverage Included?$$$Add'tl Cost
Health, Dental & Vision Coverage Access Included?
Includes Member Benefits?
Coverage in 50 States?
Monthly Payment Options?
Price$199At a Quote$169$169$96

Still Have Questions?

Our live customer service representatives are available 8 a.m. to 8 p.m. Monday-Thursday & 9 a.m. to 8 p.m. Friday. EST. Friday. EST. If you need to update your policy information or have any questions about our program, email or call us at 1 (866) 574.0520.

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. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance 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 an A+ rated (Superior) insurance company, per 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 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. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202