What Does Elite Beauty Society Esthetician Insurance Cover?

The best esthetician insurance policies will provide essential coverage for the liabilities that can present themselves in the normal course of business to esthetician professionals. General liability, also referred to as slip and fall insurance, covers members from a loss event occurring simply from having a customer enter your premises. As the moniker implies, a simple puddle of water on the floor which causes a client to slip and fall can give rise to a claim. In this case, the member would be covered up to $2 Million per occurrence and $3 Million aggregately per year. Professional Liability claims are also called malpractice claims because they occur while you’re performing your discipline’s service. An example would be if you applied wax that was too hot and a patient were burned as a result. In this case, your professional liability limits would cover the claim up to the same limits as your general liability coverage. EBS also provides product liability coverage, up to $2 Million per occurrence and per year if an equipment malfunction were to cause an injury. In addition, we’ve included important ancillary coverages like rental damage and stolen equipment. Rental damages cover the expense if there were any damage to a facility that was rented up to $100,000. It’s never fun when equipment goes missing, so we’ve also included $1,000 worth of stolen equipment coverage in our insurance policies. But we don’t stop there, in addition to the comprehensive coverages listed, members also receive identity theft protection, a free professional website, and access to members-only discounts on top esthetician gear and accessories. It’s always good to be informed and we invite you to compare us to the competition. Once you discover how EBS compares you’ll know why we are voted number one for esthetician insurance.

What Type of Insurance Should an Esthetician Have?

At a minimum, an esthetician insurance policy should provide comprehensive coverage for each discipline that you choose to offer to clients. The policy should include provisions for general liability, as well as, professional liability claims. Elite Beauty Society liability insurance coverage provides generous provisions for each of these, all the way up to $2 million per claim and a $3 million annual aggregate. But unlike other skin care insurance providers, we don’t stop with the bare minimum. Elite Beauty Society plans also come with the added protections we’ve learned are vital to an esthetician business such as coverage for stolen equipment, rental damage, and even identity theft protection.

What Is Professional Liability Insurance For Estheticians?

As an esthetician, you are responsible for the health and welfare of your clients. Your education and experience enables you to offer your clients excellent services. But you have a responsibility to protect your most precious asset—your career. Let’s face it: Accidents happen. But you can be prepared for the unexpected. Professional Liability Insurance is a form of risk management in which the insured skincare professional can be protected and relieved of the financial responsibility of a potential loss. What does that mean? It is designed to protect skincare professionals from claims arising outside of their direct professional skills.

Why Do Estheticians Need Insurance?

In any industry, accidents are inevitable and unpredictable. The average claim in the spa industry is $5,500! Without insurance, this cost would come 100% out of your own pocket. By carrying esthetician liability insurance, you can transfer the risk of monetary loss to your insurance provider. You no longer have to carry the emotional stress of figuring out how you’re going to pay a claim or defend yourself during the investigation period. It only takes a single lawsuit or claim to bankrupt you. You are a skin care professional with specialized training and certification. Though you may not be ultimately responsible for an injury or damages, your role makes you a target. Even baseless claims require you to defend yourself. Legal defense can be costly.

Do I Need An Esthetician Liability Insurance Policy If I'm Working Part-Time?

Yes, even for a part-time esthetician, you will still be performing the same hands-on treatments with a variety of tools and apparatuses that can, unfortunately, give rise to a claim being filed against you. A client’s adverse reaction to a body wrap or a burn from wax that was too hot are both real-life scenarios that have led to actual claims being filed against estheticians. Some states even require estheticians to carry professional liability insurance in order to obtain and/or renew their licenses. Be sure to check the State Board for your discipline in the state in which you desire to practice before setting up shop.

Do I Need To Be Licensed To Buy Insurance From Elite Beauty Society?

Yes, professional esthetician liability insurance from Elite Beauty Society requires individuals to be licensed or certified in accordance with any regulations regarding their profession in the states in which they practice. For more information on state licensing requirements go to estheticianedu.org.

How Soon After Purchasing Does My Insurance Go Into Affect?

One of the most convenient aspects to Elite Beauty Society’s policies lies in the ability to obtain instant proof of coverage. As soon as you purchase a professional esthetician liability insurance policy and the system processes the order, you’ll receive an email with proof of coverage, as well as, access to a host of additional member benefits.

What Are The Unique Benefits To An Elite Beauty Society Policy?

Elite Beauty Society offers many additional member benefits designed to help you and your business thrive. In addition to a comprehensive professional liability insurance policy, you’ll receive award winning service from our insurance specialists that can help you anytime you need to contact us. You’ll also receive instant coverage the moment you sign up for a policy. Finally, you’ll have access to exclusive, members-only benefits like an identity theft protection plan, stolen equipment coverage, a free professional website, and discounts from some of the top names in esthetician products and accessories.

What's The Difference Between Esthetician Insurance & Beautician Insurance?

Estheticians generally focus their practice on skin care and the variety of treatments and regimens associated therein. Comparatively, beauticians, or cosmetologists, tend to focus on hair, nails, and the application of make-up. However, there are many examples of estheticians that perform certain cosmetology treatments within their practice and vice versa. In fact, some states will allow one license to cover both disciplines, but be sure to check with your State Board for details. Elite Beauty Society’s liability insurance policy covers esthetics, as well as, more than 350 additional beauty and wellness services, including cosmetology, nail technicians, and even salon business owners insurance.

My Policy Has Expired, Am I Still Covered For A Claim During That Time?

We want you to have absolute peace of mind and the assurance you’ll be covered no matter what. So unlike other insurance carriers out there, Elite Beauty Society uses occurrence form coverage in our professional liability insurance policies. This means that even if your policy is expired and someone files a claim against you, you’re still covered as long as the claim event occurred during the period when your policy was still in effect.

I'm Still Training To Become An Esthetician, Do I Really Need Coverage?

Unless you like gambling with your future, definitely. Even while in training, you’ll have client-facing situations and other circumstances where a claim event could occur. Without insurance, you’ll face having to pay for these claims out of your own pocket. For students who are enrolled in esthetician courses and are not licensed yet, you may still purchase a comprehensive esthetician professional liability insurance policy at an incredible rate of just $25 for a full year of coverage. When you sign up prior to graduating your courses, you receive the full limits of coverage and all of our members-only benefits of the professional program for a full 12 months.

How Much Does Elite Beauty Society Esthetician Insurance Cost?

We have several options for estheticians to choose from so they can find what works best for them and their business. For a one-year policy, the current rate for full-time and part-time skin care professionals is $159, which is good no matter where you practice in the U.S. For a two-year esthetician insurance policy, the rate is $279.95, a $38.05 savings over buying two, one-year policies. We also offer incredibly affordable esthetician student rates - just $25 for a full year of coverage. In addition to all-inclusive coverage, we also offer a tremendous array of exclusive, members-only benefits. Recently, we’ve also been able to add microblading coverage to our insurance plans. This addition is only $499 per year.

What's The Difference Between Aesthetician Insurance & Esthetician Insurance?

No difference there. Aesthetician is just a common misspelling of esthetician.

Elite Beauty Society Is Green.

Elite Beauty Society is committed to our beauty community and while supporting you, we're doing everything we can to minimize the impact we have on the environment.

Elite Beauty Society is a certified green business, through the Green Business Bureau.

Elite Beauty Society believes that implementing small daily changes can make a big difference and that includes taking many small steps to help the environment. For Elite Beauty Society this includes recycling, giving back by planting trees, and funding clean water programs in partnership with Paul Mitchell Schools FUNraising Campaign.

Digital Focus

We're paperless.

Elite Beauty Society is leading the insurance industry in greatly reducing the amount of paper we use and consciously thinking about the environment.

We have worked hard to ensure that all policy documents are available digitally. That has been our policy from the beginning. Whether you're creating a new policy, updating a current one, or adding an additional insured, our system allows this all to be done online with instant access to your updated documents.

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Making a Difference

Every Insurance Policy Sold = 1 Tree Planted

“The best time to plant a tree is 20 years ago. The second best time is now.” —Chinese Proverb

Every time someone joins Elite Beauty Society, we plant a tree in their honor. Thanks to our beauty community and our friends at Trees for the Future, thousands of trees have been planted so far.

Help us grow a future for our planet by referring your friends to our program today.

REFER A FRIEND, PLANT A TREE

OUR GREEN COMMITMENT

From day one, we've been delivering your documents digitally, but we're always looking to improve. In addition to expansive recycling programs in our office from buying recycled products, to recycling all paper and plastics we use, we're always looking to become more environmentally conscious.

We've covered green trends in the beauty industry, how to go green in your salon, and will continue to support this beautiful planet we call home, while supporting our beauty community.

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Still Have Questions?

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800.326.5566

SEND AN EMAIL

info@elitebeautysociety.com

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Our live customer service representatives are available 8:30 a.m. to 5:30 p.m. EST.

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 800.326.5566

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 Arthur J. Gallagher Risk Management Services, Inc. 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 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. 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.
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