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Facial Specialist Liability Insurance
Facial specialist liability insurance coverage starts at just $49/year for students and $179/year for full-time estheticians. At EBS, we know that your clients and their healthy skin come first, and you work tirelessly to make your esthetician career thrive.
Two Year
Lock in a rate of $149 per year by purchasing our two year policy, with all the same benefits.
$
299
/year
One Year
Protect your career for a single year. Get liability insurance coverage at the most affordable rate.
$139
149
/year
Student
Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.
$
49
/year
Facial Specialist Insurance Highlights and Coverage
The average claim in the esthetics field exceeds $5,000, making facial specialist liability insurance a smart and affordable choice for skin care professionals.
Our tailored facial specialist insurance policies (also known as esthetician insurance) provide comprehensive coverage to protect you and your career. This includes general liability coverage, professional liability insurance, medical expenses, and legal fees. Whether you’re looking to compare esthetician insurance for your facials, understand esthetician insurance cost, or secure insurance coverage that fits your unique beauty services, we’ve got you covered.
Facial specialist insurance serves to protect beauty professionals from the potential expenses of liability lawsuits and claims. In their role, facial specialists work hand-in-hand with clients to help them achieve their beauty goals.
The beauty industry offers a thrilling and fulfilling career path, but it also carries some risks for clients. If a treatment doesn’t go as planned and a client gets hurt, they might seek compensation from the esthetician. This is where facial specialist liability insurance comes into play, as it helps cover any claims made against a facial specialist.
The financial burden of a liability lawsuit or claim is staggering. Liability insurance acts as a protective cushion for your finances. Elite Beauty Society has developed a liability insurance plan specifically for facial specialists, giving you the coverage you need if something doesn't go as planned with a client.
While facial specialists are dedicated to providing top-notch care and focus on their clients, mistakes can still occur. Accidents can happen to anyone, and they pose a significant risk in the workplace. If a client gets injured while in your salon chair or during a treatment, they may have the legal right to seek compensation from you.
In today's world, facial specialists are increasingly at risk of facing liability lawsuits or insurance claims. It's important to protect yourself, your career, and your finances, making it a smart investment for your future. Facial specialist liability insurance is the coverage you need to stay secure.
Our facial specialist insurance plan at EBS delivers solid coverage for multiple liabilities. We’re committed to protecting you from general and professional risks, taking your safety a step further with the coverage you need.
Let's look at some examples of how facial specialist insurance would help protect you in the future:
- Example one: A client comes in for a chemical peel. As you prepare the treatment, you accidentally spill some of the chemical solution onto the client's face. Unfortunately, some of the solution lands near the client's eye, causing intense burning and discomfort. After seeking medical attention, the client hires a lawyer and holds you responsible for their medical expenses. Facial specialist insurance from EBS could help cover the cost of that lawsuit.
- Example two: A client is coming in for a facial treatment. While walking through the reception area, the client slipped on a wet floor where a spill wasn't properly marked. The client fell and hurt their back, requiring immediate medical attention and physical therapy. The client demands you pay their medical bills, lost wages, and related costs. In this situation, general liability insurance would be essential to help cover the costs of the lawsuit.
Being affiliated with top-tier insurance partners like the Arthur J. Gallagher family, Elite Beauty Society continues to build on a history of excellence. Since 1927, Gallagher has become one of the most esteemed brokers in the insurance world. Gallagher, a top global insurance broker, is known for its reliable, trustworthy, and caring companies. Elite Beauty Society is honored to be connected with like-minded partners like Gallagher, who focus on their policyholders.
With numerous awards for excellence and work environment, Gallagher has been repeatedly recognized for its excellent work in the insurance industry. Elite Beauty Society embodies the mission and excellence of our affiliates, like Gallagher. We strive for excellence in everything we do to uphold our reputation and live up to our credentials.
Elite Beauty Society: A History of Exceptional Success
We're proud of how Elite Beauty Society has changed the world of cosmetology. Our policyholders are some of the best in the business. With hundreds of verified positive reviews, our clients are pivotal to our reputation as an insurance provider. Real customers have always reported excellent service, friendly experiences, and prioritized customer satisfaction.
We are both humbled and honored to have a reputation of excellence and a history of success. We've helped thousands of facial specialists get the coverage they need to feel safe and protected in their careers. Our comprehensive coverage and excellent service are a testament to what we are all about. We want our policyholders to have total confidence in their coverage.
Facial Specialist Insurance Coverage Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
Professional liability insurance, sometimes called esthetician professional liability insurance, covers the specific risks tied to your work as a facial specialist and professional esthetician. This type of liability insurance for estheticians protects you if something you do during a facial treatment or skin treatment harms a client. For example, if a client experiences an allergic reaction to a product you use during the facial or suffers a burn from an advanced device, professional liability insurance steps in. It helps cover legal defense, medical expenses, and other costs, so you aren’t left paying out of pocket if a client files a claim.
On the other hand, general liability insurance covers risks that could happen in any industry. Think of it as slip-and-fall coverage, ideal for accidents like a client tripping in your treatment space or suffering bodily injury while visiting your spa. General liability coverage also extends to other client claims, providing you with the peace of mind to focus on delivering safe and effective facials without worrying about unexpected costs.
Both professional liability insurance and general liability coverage are essential for esthetician professionals. Together, they safeguard your finances, protect your reputation, and ensure your esthetician insurance coverage keeps you prepared for costly claims that could arise in your day-to-day work.
In today’s digital world, having an online presence is essential for beauty professionals. From promoting your facials on social media to managing finances online or connecting with clients through a website, the internet offers incredible opportunities, but it also comes with risks like identity theft. Hackers can target anyone with an online presence, putting your information and finances at risk.
That’s why Elite Beauty Society includes Identity Theft Protection in our cosmetology insurance policy. Unlike most other providers, we make this coverage a priority, helping you recover lost money and protecting you from online threats. With us, your career is protected on every level—offline and online.
Elite Beauty Society Policyholder Perks
It's no secret that we love our Elite Beauty Squad members, which is why we have created exclusive perks and member benefits that support you, your career, and long-term success in this industry.
When you purchase an Elite Beauty Society policy, you will immediately receive access to exclusive member benefits including discounts to your favorite beauty brands, a free website to help grow your business, preferred group rates on other insurance plans, marketing automation discounts, travel and lifestyle discounts, exclusive content tailored just to beauty professionals, and much more.
Elite Beauty Society was founded by beauty professionals for beauty professionals. We've curated our exclusive member benefits with you in mind, to support all aspects of your career.
All of our member benefits are worth more than $1,000 in savings and discounts—and we're always adding more!
50% off your first 2 months of subscription to GlossGenius Gold:
#1 Scheduling and Booking Software for Beauty Professionals
Discounted Health Insurance Marketplace:
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts:
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University:
Access 600+ Hours in Continued Education
And, So Much More!
Elite Beauty Society is continually adding more member perks to better serve our community
What Services Do We Cover?
EBS offers cosmetology insurance coverage for more than 500+ beauty and wellness services, including:
What Our Customers Are Saying
Elite Beauty Society is proud to have 5-star, excellent-rated customer reviews. We are dedicated to bettering our insurance and policies to meet the needs of all facial specialists.
Check out what some of our customers are saying:
Company sends timely reminders to eliminate lapses in coverage. It’s super easy to add rider policies for my other businesses. Always good to have peace of mind.
Tina
EBS Customer
Taking care of the behind-the-scenes part of business can be an overwhelming process. A lot of the protocols, we just need to figure out on our own and take care of. Elite makes things SO simple, the entire process start to finish is very user friendly, and easy to navigate. This is my third year renewing with them, because of how quick it is. Nothing about the process is scary, and they have excellent customer service as well. Thank you!
DHG
EBS Customer
Why Choose Our Facial Specialist Insurance?
Just a Few of the Reasons We're the
Number One Choice For Facial Specialist Liability Insurance
We Offer The Industry-Preferred Type of Liability Insurance
Elite Beauty Society offers top-rated Occurrence Form liability coverage. It has individual aggregate limits. This protects you from any claims that may arise. Our high insurance limits and great customer service protect you. Our facial specialist insurance gives you peace of mind. You are fully protected. If anything happens, we'll support you.
Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer Occurrence Form so that our customers rest easy knowing they're protected even if their clients delay making a claim. Even if your facial specialist insurance lapsed, you're covered. Your license is guarded if the incident happened during your policy.
Instant Liability Insurance Coverage, Immediate Certificate
Don't wait around for approvals or worry about providing education hours. Our policies are bound in minutes. You can then download a proof of coverage certificate from your member portal. Our online application takes less than 5 minutes, so you can get back to what you're best at faster.
You Deserve More Than Numbers
Policy numbers are just one part of the equation. You deserve an insurance provider who truly supports you when it matters most, turning those numbers into genuine help. With us, you will feel secure. If the unexpected occurs, our licensed team is ready to help you. Your policy also includes coverage for legal defense, if necessary, and the expenses related to your claim.
Why You Need Facial Specialist Insurance to Protect Your Career
Whether you are renting a spa suite or treatment room, working in a salon, or offering mobile facials as a freelancer, purchasing an esthetician insurance policy supports and protects your career wherever you go.
Liability insurance coverage provides the peace of mind and assurance you need, no matter where your work takes you. A little insurance knowledge can empower you to make the right choice when researching and purchasing both professional liability and general liability insurance. Below is a complete breakdown of everything you need to know about a facial specialist liability insurance policy.
Facial Specialist Liability Insurance FAQs
An esthetician insurance cover from EBS is designed to provide coverage for a wide range of covered claims, including accidents, malpractice claims, or injuries that may happen while you provide services. The policy covers both general liability and professional liability insurance policies, so you’re protected against claims arising from everyday work with clients.
Great question! An occurrence form coverage means your policy will protect you for incidents that happened during the time you were insured, even if the claim is filed later. A claims made policy, on the other hand, only covers incidents if the claim is filed while the policy is active. Most insurance products from EBS are written on an occurrence form for stronger protection.
Yes! Our advanced esthetics insurance coverage includes specialized coverage for treatments like chemical peels, microdermabrasion, and more.
Your professional liability limits (also called policy limits) represent the maximum amount the insurance company will pay for a claim. This assures you won’t be legally obligated to pay large sums out of pocket for accidents, malpractice claims, or medical expenses tied to your services.
With EBS, you can enjoy instant coverage, same day coverage, and even immediate certification. Once you enroll, you’ll receive proof of insurance and instant access to your online dashboard, so you can show compliance with salon or spa requirements right away.
Absolutely. Our esthetician insurance policy is flexible and follows you wherever you go. Whether you’re working in a spa, at multiple locations, or offering mobile services, your policy covers you at no extra cost. You can even add additional insureds if required.
In addition to reliable insurance coverage, you’ll enjoy valuable benefits like a free professional website, discounts on tools and supplies, and access to resources tailored for beauty professionals. These perks are designed to help you grow your career while staying protected.
At EBS, we combine affordable insurance products with specialized coverage, policy details that meet industry needs, and perks like free professional tools. Whether you need instant coverage, protection from malpractice claims, or benefits like a free professional website, we’re here to back your career with both protection and support.
Get Your Insurance Guide eBook
Make sure to secure a 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 – empower yourself today!
How We Stack Up Against the Competition
| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Protection Coverage Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Monthly Payment Options? | |||||
| Price | $199 | At a Quote | $179 | $175 | $96 |