Estheticians and Skincare Professionals

What is an Esthetician/Skincare Professional?

Estheticians are licensed skincare professionals who focus primarily on the skin within the beauty industry. Estheticians are knowledgeable of cosmetic (non-invasive) skin and body treatments/regimens.

What Services Can an Esthetician Perform?

Services performed by estheticians are regulated by your state board and some services may require additional training. Esthetician programs require 250+ hours of education.

Top Services Performed by Skincare Professionals

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    Body Waxing
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    Spray Tanning
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    Makeup Applications
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    Body Wraps
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    Eyelash Extensions
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    Chemical Peels
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    Face and Body Masks

Or call 1(844) 921-4452 to speak to a live insurance representative.

Where Do Skincare Professionals Work?

Employment of skincare specialists

How Much Do Skincare Professionals Make?

According to the BLS, estheticians and skincare professionals earn an average salary of $30,270 per year.

The highest ten percent earned an annual salary of $59,780 while the lowest earned around $18,640.

There are endless opportunities for estheticians and skincare professionals in the beauty industry. Many professionals pursue continuing education and obtain licensing for additional services such as microblading and eyelash extensions.

Protecting Your Professional Career

Whether you are renting a space at a salon/spa, work in you own beauty spa, or as a freelance beauty professional, purchasing an esthetician 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 as a skin care professional.

A little insurance knowledge about aesthetics can empower you to make the right decision when it comes to researching and purchasing a professional and general liability insurance policy.

Below is a complete breakdown of everything you need to know before purchasing an esthetician insurance policy in 2018.

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.

What Does My Liability Insurance Policy Cover?

Your policy covers an additional 350 beauty and wellness services including: cosmetology, nail technicians, massage and yoga.

Policy Limits

  • Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
  • Product Liability: $2 million per occurrence & per year
  • Rental Damage Insurance: $100,000
  • Stolen Equipment Insurance: $1,000

Additional Benefits

  • Exceptional customer service with live insurance specialists available 8:30 a.m. to 8:30 p.m. EST Mon-Fri, plus weekend hours
  • Instant coverage and digital proof of insurance
  • Member benefits—an identity theft protection plan, stolen equipment coverage, and a free professional website

Professional Rate

Is your career worth $159? That’s all it costs to purchase Elite Beauty liability insurance for 12 full months of coverage. This coverage applies to estheticians/skincare professionals that work full- or part-time and follows you anywhere in the United States.


Student Rate

Sign up prior to your graduation and for $25 you will receive all the benefits and limits of the professional program for 12 full months. Our policies cover only the discipline you are studying on the day your coverage begins. The effective date of your policy must be prior to your graduation date.


Or call 1(844) 921-4452 to speak to a live insurance representative.

Still Have Questions?





Insurance Guide

Explore For More Information

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, 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. The Doyle Group. is the insurance partner for Elite Beauty Insurance. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Elite Beauty Insurance program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Elite Beauty Insurance program. Professional Liability and Commercial General Liability coverage under the Elite Beauty Insurance program 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. Elite Beauty Insurance  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.  Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc,  The Doyle Group or Elite Beauty Insurance are insurers.  820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082