Question 1

What Does Elite Beauty Society Esthetician Insurance Cover?

Accepted Answer

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.

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.

Question 2

What Is Professional Liability Insurance For Estheticians?

Accepted Answer

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.

Read more about the type of liability insurance estheticians actually need.

Question 3

How Much Does Elite Beauty Society Esthetician Insurance Cost?

Accepted Answer

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 $169, 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 micro-blading coverage to our insurance plans. This addition is only $499 per year. Read more about how much esthetician insurance costs as well as the costs of not having insurance.

Question 4

What's The Difference Between Esthetician & Beautician Insurance?

Accepted Answer

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.

Question 5

What Type of Insurance Should an Esthetician Have?

Accepted Answer

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.

Question 6

Why Do Estheticians Need Insurance?

Accepted Answer

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.

Question 7

What's The Difference Between Aesthetician & Esthetician?

Accepted Answer

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

Question 8

How Do I Compare Esthetician Insurance?

Accepted Answer

Decisions you make early in your career can have lasting effects so doing a comparison is a great idea. When comparing your options for the best esthetician insurance, you should compare the coverage breadth and depth.

Breadth in esthetician insurance means how widespread the coverage applies to events applicable to the industry. Look at the different coverage options included with the policy to determine which applies best to your unique situation.
Depth of the coverage means how much coverage of each option is provided. Solid esthetician insurance plans will provide at least $2 million per occurrence for general and professional liability claims, as these are the most common types of events for estheticians.

Check out our esthetician insurance comparison pages where we present our plans right alongside the leading competitors in esthetician insurance. We do this because we are confident in our esthetician insurance program. See why hundreds of your fellow beauty pros rated our program as ‘Excellent’.

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Esthetician Liability Insurance FAQs

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What is the coverage limit on an esthetician liability insurance policy?

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Can I get insured if I offer advanced or mobile esthetic services?

Is this just what I need to renew or maintain my esthetician license?

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