Esthetician Insurance
Professional and general liability coverage designed for estheticians and skincare professionals.
Apply online in about five minutes and get proof of insurance after purchase.
Fast Online Purchase & Proof of Insurance
Coverage For Multiple Beauty Services & Work Settings
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 $1,000 of member perks tailored to the beauty industry.
How Much Does Esthetician Insurance Cost?
Two Year
$
299
/2 years
One Year
$
179
/year
Student
$
49
/year
A $5 processing fee applies at checkout.
Comparing salon insurance providers?
Before you commit, take time to compare the top esthetician insurance providers
so you can see how rates, limits, and included benefits stack up.
Esthetician Insurance Coverage
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million coverage limit
Identity Theft Protection:
$25,000 coverage limit
Who Is Esthetician Insurance For?
Esthetician insurance is designed for skincare professionals who want their own liability coverage for the services they provide.
EBS coverage can be a fit for:
- Independent and solo estheticians running their own beauty business
- Estheticians working in salons or spas who need individual liability coverage
- Treatment room and salon suite renters operating from a rented space
- Mobile estheticians providing approved services at eligible locations
- Estheticians working at multiple locations throughout their career
- Esthetics students looking for affordable student coverage
If you work independently within a salon, spa, or shared space, don’t assume the business owner’s insurance automatically covers your professional services. Having your own policy can provide coverage tied directly to the work you perform.
What Does Esthetician Insurance Cover?
Elite Beauty Society esthetician insurance includes professional and general liability coverage, along with additional protections designed to support estheticians in their day-to-day work.
Professional Liability
Professional liability helps protect you against claims tied directly to the esthetic services you provide. For example, if a client experiences a skin reaction after a facial or irritation following a waxing service, professional liability coverage may apply to the resulting claim.
General Liability
General liability covers common accidents that are not specific to the esthetic service itself. This can include incidents such as a client slipping in your treatment area or being injured while visiting your workspace.
Personal & Advertising Injury
Personal and advertising injury coverage helps protect against certain non-physical claims, including defamation, slander, or copyright infringement connected to your business or marketing.
Additional Policy Benefits
EBS esthetician insurance also includes identity theft protection, along with additional benefits such as medical expense reimbursement, legal defense, and lost wage protection when applicable to a covered claim. These added protections provide another layer of support beyond your core professional and general liability coverage.
Esthetician Insurance That Fits How You Work
Solo Estheticians
Run your own esthetics business with liability coverage for approved professional services, whether you work independently or operate your own treatment space.
Treatment Room & Suite Professionals
Renting a treatment room or salon suite? Esthetician insurance can help protect the services you provide and give you proof of coverage needed.
Mobile Estheticians
Take your business beyond a traditional treatment room. EBS coverage can follow eligible mobile estheticians providing approved services at covered work settings.
Work in more than one place?
EBS coverage can follow eligible beauty professionals across approved work settings, making it a practical option for professionals who work from multiple locations or provide mobile services where applicable.
Esthetician Services That May Be Covered
EBS esthetician insurance can cover a wide range of approved skincare and beauty services, making it a flexible option for professionals who offer more than one treatment. Coverage is subject to your applicable license, scope of practice, and state or local requirements.
View the full Beauty Services List to see additional approved services.
Why Choose Elite Beauty Society?
Elite Beauty Society combines esthetician liability insurance with benefits and resources created for beauty professionals. Along with coverage for your work, EBS membership gives you access to tools and perks that can support your business and career.
Fast, Simple Coverage
Purchase your policy online in about five minutes and receive proof of insurance after purchase.
Coverage That Works With Your Career
Get coverage for approved esthetic services across eligible work settings, including mobile and multi-location work where applicable.
Member Savings & Partner Perks
EBS members receive access to partner discounts and professional offers that can help you save on products, services, software, and other business essentials.
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Bestâan independent global credit rating agencyâensuring reliable coverage and long-term financial stability.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
Trusted By Thousands of Beauty Professionals Nationwide.
Elite Beauty Society is proud to have 5-star, excellent-rated customer reviews. We continue to refine this insurance policy to meet the needs of estheticians and other beauty professionals.
Check out what some of our customers are saying:
I love Elite Beauty Society! The rates are great, the coverage is thorough, and everything is so user friendly- from the website to the automated emails that remind you exactly when to renew your policy! Whenever Iâve had to contact customer service, they are always extremely timely with their responses and SO friendly, personable, and professional!
Tessie
EBS Customer
Sign up was easy. Reasonable pricing in my opinion. Recently started taking my own clients and need to have proof of liability. This was the simplest route and I thank Elite Beauty Society for making it an easy process!
Gabrielle
EBS Customer
Esthetician Insurance FAQs
Yes. Estheticians are responsible for the services they provide, and working in a salon or spa does not guarantee that you are covered under the business owner’s insurance policy. Having your own liability insurance helps protect the work you perform and may also be required by a landlord, salon, spa, or suite provider.
Elite Beauty Society offers a one-year policy for $179, a two-year policy for $299 total, and student coverage for $49 per year. A $5 processing fee applies at checkout.
EBS esthetician insurance includes professional and general liability coverage for claims related to your services and everyday accidents. It also includes personal and advertising injury coverage and identity theft protection.
EBS covers 500+ approved beauty and wellness services, including many skincare and esthetic treatments. Coverage depends on your applicable license, scope of practice, and state or local requirements. Certain services may be excluded.
Yes. Additional insureds can be added to an active EBS policy, which is commonly requested by landlords, salons, spas, and suite providers. Gather the required policyholder and additional-insured information and submit the request through EBS; additional fees apply.
You can receive same-day coverage and your certificate of insurance within minutes of purchasing your policy. You’ll also receive access to your online portal, where you can view your insurance documents.
Occurrence-form coverage is tied to when the covered event happened rather than when the claim is reported. If an incident occurred while your EBS policy was active, a claim may still be covered even if it is reported after that policy has expired, subject to the terms of the policy.
Students are already working hands-on while learning their skills, so liability protection can be valuable before entering the profession full-time. EBS offers student coverage for $49 per year, providing coverage while you train and prepare for your esthetics career.
Get Your Insurance Guide eBook
Ensure a secure future for your business! Download our Liability Insurance Ebook now for expert insights on coverage essentials and risk management. Don't let uncertainties affect your passion â empower yourself today!
Ready To Protect Your Esthetics Business?
Get professional and general liability coverage designed for estheticians and skincare professionals. Apply online in about five minutes, receive proof of insurance after purchase, and get coverage that can support the way you work.
- Professional & general liability coverage
- Coverage for approved esthetic services and eligible work settings
- EBS member benefits and beauty-industry resources