Minnesota Beauty & Cosmetology Liability Insurance

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.

Yes. Beauty professionals who rent a chair are typically classified as independent contractors. In most cases, independent contractors are not covered under the salon owner’s professional or general liability policy.

When you perform cosmetology services, you assume responsibility for claims arising from your work. Carrying your own professional and general liability insurance helps protect you if a client files a claim related to bodily injury or alleged negligence during a service.

A cosmetology liability insurance policy from Elite Beauty Society includes:

• $2 million per occurrence and $3 million per year for Professional and General Liability
• $2 million for Personal Injury and Advertising Injury
• $25,000 in Identity Theft Protection
  

Claims-made coverage applies only if a claim is filed while the policy is active. If a policy expires and a claim is reported later, coverage may not apply unless extended reporting provisions are in place.

Occurrence form coverage applies based on when the incident occurred, not when the claim is filed. If an event took place while your policy was active, coverage may apply even if the claim is reported after the policy period has ended. This structure provides long-term protection for covered incidents that occur during your active coverage period.

Students practicing cosmetology techniques in an approved cosmetology school are still working directly with clients or models. Service-related incidents occur during training, including claims alleging bodily injury or improper technique.

A student cosmetology insurance policy provides professional and general liability coverage while enrolled in school and continues after graduation. Elite Beauty Society offers a student policy at $49 per year, which includes identity theft protection and policyholder benefits consistent with the selected coverage.

Elite Beauty Society offers straightforward annual pricing for licensed beauty professionals.

• A one-year cosmetology insurance policy is $179 per year and applies anywhere you provide approved services within the United States.

• A two-year cosmetology insurance policy is $299 total, reflecting a reduced annual rate when purchasing two years of coverage at once.

• Student cosmetology insurance is available for $49 per year and provides professional and general liability coverage for beauty pros still in cosmetology school.

• A benefits-only plan is also available for $39 per year. This option includes identity protection and access to select business and lifestyle benefits but does not include professional or general liability insurance coverage.

Elite Beauty Society provides liability insurance coverage for more than 500 approved beauty and cosmetology services, including hair services, skin treatments, nail services, and related beauty offerings.

A complete list of covered services is available for review. If your specific service is not listed, contact our team to confirm whether it qualifies for inclusion under the cosmetology insurance policy.

Call 866.868.3360 or email info@elitebeautysociety.com.

An Elite Beauty Society cosmetology insurance policy includes professional and general liability coverage along with a range of policyholder benefits designed to support beauty professionals.

Policyholders receive access to educational resources, business tools, and a customizable professional website to help establish and maintain a visible online presence.

Elite Beauty Society also partners with industry providers to offer select discounts on business services, booking platforms, health insurance marketplace options, and other professional resources.

Comprehensive insurance coverage and policyholder benefits are provided at one straightforward annual rate.

A certificate of insurance is available immediately after purchasing your cosmetology insurance policy. Once the policy is issued, you can access and download your certificate and policy documents at any time through your policyholder portal.

Elite Beauty Society works exclusively with beauty professionals and has developed insurance coverage specifically for cosmetology services. The policy structure, limits, and included protections are designed to address the practical risks faced by licensed cosmetologists, hairstylists, estheticians, and nail techs.

To support informed decision-making, Elite Beauty Society provides educational resources outlining key insurance concepts relevant to the beauty industry.

If additional questions arise, contact our team at 866.868.3360 or email info@elitebeautysociety.com for assistance.

In Minnesota, cosmetology licensing requirements are established by the Minnesota Board of Cosmetologist Examiners. The Board oversees education standards, licensing examinations, and application procedures for individuals seeking to practice cosmetology within the state.

Prospective licensees must complete the required hours at an approved cosmetology school and satisfy examination and application requirements set by the Board. For current licensing criteria, education hour requirements, and application instructions, refer directly to the Minnesota Board of Cosmetologist Examiners.

To initiate a claim, contact the designated claims operations team at sarasota.bsd.operations@ajg.com. The team will confirm coverage, verify policy details, and provide instructions for completing a claim summary form. Depending on the circumstances, additional documentation may be required. Once submitted, the claims team will review the information and coordinate next steps in accordance with the terms of the policy.

The policy applies to approved cosmetology services performed in salons, suites, studios, event venues, or clients’ homes, provided services are rendered in compliance with local and state regulations. Coverage follows the policyholder and applies in all 50 states for approved services.

A certificate of insurance is available through the policyholder portal. Log in and select “Certificate of Insurance” to download a current copy. If assistance is needed, contact customer support to request a certificate by email.

Yes. You may purchase your policy at any time and select a start date up to 90 days in the future during checkout. The selected date will determine when coverage becomes active.

Part-time and full-time policies provide the same coverage limits and policyholder benefits. The difference is based on the number of direct service hours performed each week.

A part-time policy applies to professionals working fewer than 10 direct, hands-on service hours per week. A full-time policy applies to professionals working 10 or more direct service hours per week.

Direct service hours refer to time spent performing approved cosmetology services. Administrative tasks, marketing activities, and other non-service duties are not included in this calculation.

To add an additional insured to your policy, contact customer support at 866-574-0520. A representative will assist with issuing an additional insured endorsement in accordance with policy terms.