Facial Specialist Liability Insurance
Excellent-rated facial specialist liability insurance. Covering beauty professionals for more than 500+ beauty and wellness services. Get A-rated professional insurance for beauty business coaching for less than 49 cents per day in just five minutes.
Immediate Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Liability Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Insurance Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Save Hundreds with Member Benefits
We are more than just Facial Specialist Insurance, EBS has over $750 of member perks tailored to the beauty industry.
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 Facial Specialist Insurance, EBS has over $750 of member perks tailored to the beauty industry.
How Much Does Facial Specialist Insurance Cost?
At Elite Beauty Society, we offer cost-effective insurance for facial specialists, beginning at a flat rate of $179 annually. This liability insurance policy is designed to protect you and your salon suite. When looking for facial specialist insurance, cost often plays an important role in your decision. But does a higher price guarantee better coverage? Unlike other providers that charge membership fees for liability insurance, our plan has no such fees. You’ll receive comprehensive insurance coverage tailored for facial specialists.
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.
$
179
/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 Benefits, Highlights, and Coverage
Being a licensed beauty expert in facial treatments means you have the skills to improve your clients' appearance and boost their confidence. You always focus on your client's needs, providing them with your full attention. However, even the best facial specialists may face claims over accidents during treatments or in the salon.
One of the most cost-effective safeguards available is to have facial specialist insurance. We offer comprehensive facial specialist insurance coverage to protect your career and identity.
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: Covers industry-specific risks that could result in harm to a client. Often referred to as errors and omissions insurance.
Coverage Examples:
Allergic Reaction During Treatment:
A client develops a severe allergic reaction to a facial product you applied during a treatment. They hold you responsible for the medical expenses and emotional distress caused by the reaction.
Skin Burn from a Chemical Peel:
During a chemical peel procedure, the client's skin is accidentally burned, leading to scarring. The client sues for damages, including medical costs and pain and suffering.
Benefits:
Helps cover the costs of lawsuits coming from professional mistakes or errors.
Provides financial security and peace of mind for facial specialists.
General Liability: Covers non-specific risks that could occur in any workplace or setting. Commonly protects against incidents like slip-and-fall accidents.
Coverage Examples:
A client slips and gets hurt in your spa.
Accidental property damage caused during a consultation.
Benefits:
Shields against lawsuits related to common workplace risks.
Essential protection for facial specialists to prevent financial loss from general liabilities.
Personal and Advertising Injury: Protects against claims related to defamation, slander, and copyright infringement that come from your advertising or personal interactions.
Coverage Examples:
A competitor accuses you of making a defamatory statement in your marketing materials.
Unintentional infringement of another business's trademark in your advertising campaign.
A client claims emotional distress due to something you said during a service.
Benefits:
Provides financial protection against the costs associated with legal claims of personal and advertising injury.
Helps safeguard your reputation and business from potentially damaging lawsuits.
Allowing you to focus on growing your business without the fear of unexpected legal challenges.
Identity Theft Protection: Protects against the risk of hackers stealing your personal or business information. Important in today’s digital age, where most facial specialists maintain an online presence.
Coverage Examples:
- Loss of money due to online fraud or identity theft.
- Unauthorized access to your financial accounts through online banking.
Benefits:
- Helps you recover losses if your identity is compromised by online predators.
- Unlike most other insurance providers, this coverage is an included part of our policy.
- Provides peace of mind, knowing that your online presence is protected.
Elite Beauty Society includes Identity Theft Protection in our Facial Specialist insurance policy. We want our policyholders to be well protected from every career threat. Most Facial Specialist insurers don't offer identity theft coverage. We make it a pillar of our policy. If you lose money due to an online predator, we offer protection to help you recoup your losses.
And that’s not all! Personal and Advertising Injury policy helps protect you if you’re accused of libel, slander, or false advertising.
Our Beauty Professional Liability Insurance Member 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 $750 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
We are proud to have 5-star, excellent-rated customer reviews for our beauty professional liability insurance. We are dedicated to bettering our insurance and membership to meet the needs of every Facial Specialist.
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 To Protect Your Facial Specialist Career
You may rent a salon suite or salon booth/chair. You may work in your own salon or as a freelancer. Buying a facial specialist 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. A little insurance knowledge can empower you to make the right decision when researching and purchasing a professional and general liability insurance policy. Below is a complete breakdown of everything you need to know about a facial specialist insurance policy.
Facial Specialist Liability Insurance FAQs
Close work with clients and the use of skin care products and treatments pose a high risk of accidents. So, professional liability insurance is essential. At the least, a policy should provide generous limits for both General Liability and Professional Liability claims to ensure comprehensive protection.
General liability insurance is often called “slip and fall” insurance. This name comes from the fact that, as a business owner, you have a responsibility to make sure your customers stay safe while they are on your property. If a client slipped on water from a treatment basin and fell, you could be liable for their injury costs.
Personal liability is often called “malpractice” insurance. This coverage protects against injuries and other losses while you provide your facial services. For example, if your hand slips while applying a chemical peel and you burn or irritate your client’s skin, they may hold you liable for their injuries.
Personal and advertising injury covers claims related to defamation, slander, or copyright infringement that might arise from your marketing practices. It provides financial protection against legal costs, safeguarding your reputation.
Identity theft protection is important in today’s digital age. With most facial specialists maintaining an online presence, there’s a risk of hackers stealing your information. Our policy includes identity theft protection, helping you recover losses if your data is compromised.Absolutely. Facial services may seem tame. But, no matter where, when, or how many hours you work, you’ll use tools that have harmed clients.
While renting a chair at a salon, legally speaking you become an independent contractor. You're not normally covered under the salon owner’s liability policy.
This is why securing your own insurance is important for handling any claims that could occur during your service to clients.
With a facial specialist liability insurance policy from EBS, you’ll have:
$2 Million limit for both Professional Liability and General Liability claims, up to a $3 Million Annual Aggregate.
$2 Million in Personal and Advertising Injury Coverage
$25,000 in Identity Theft Protection Coverage
A lot of insurance companies provide claims-made coverage because it’s easier for them to manage. With this type of policy, a claim must be submitted while the policy is in effect to receive coverage. We don’t believe in not covering something that rightfully should be, so we offer occurrence form coverage. So, even if your policy is no longer valid, you’re still covered if a claim comes up for something that occurred while your policy was active. It’s just one of the little ways we show we’re here for you.
Definitely. Even while still in school, you’ll be practicing your techniques face-to-face with real people.
A small mistake can, unfortunately, lead to a claim against you. Our student policies cost just $49 for a full year of coverage. They offer a cheap way to protect you and your future business from claims against you while in school. You'll also get the same amazing members-only benefits as our pros. They are included in the cost of your student policy.Our rates are some of the best in the industry. We provide different options for a facial specialist to choose from so they will find what works best for them and their business.
One-year policy, the current rate for beauty care professionals is $179 a year, good anywhere you provide your services in the U.S.
For a two-year facial specialist insurance policy, the rate is $299, a $59 savings over buying two one-year policies.
Student rates are $49 for a full year of coverage.
Due to demand, we've also made a benefits-only plan available. It offers identity protection, a professional website, and access to many discounts. It all costs just $39 per year.
We cover 500+ beauty and wellness modalities ranging from hair, skin treatments, nail decorations, and even massage and yoga.
We have created a full list of coverage for your convenience. If your modality isn't listed, please call or email a sales rep. They can check if we can add it to our list.
Call 866-825-1205 or email info@elitebeautysociety.com.
When you become a member of Elite Beauty Society, you will receive liability insurance + a full suite of member perks. We have exclusively tailored our program to fit the needs of every facial specialist and help them grow.
You will have access to the EBS resource center. It holds much info on topics like "how to set up a successful business," education tools, and eBooks. As a member, we’ll provide a free customizable website to take your business to the next level.
In addition, EBS has partnered with some of the best names in the industry to offer members exclusives on products and tools at a discount. You will save on PBF memberships and get free Booksy trials. You will also get access to ACA-qualified health insurance. Plus, you will get one month of free online therapy from BetterHelp. We are continuously adding more.
Get peace of mind & grow your career at one affordable rate.
You will get your certificate of insurance right after you buy your facial specialist insurance. You will also get access to your member portal where you'll see your insurance documents at any time.
At EBS, we are a community of beauty professionals who have had experience in the industry. Being built by professionals lets us tailor our program to the facial specialist.
We understand the decision to purchase liability insurance is intimidating, so we’ve created an in-depth guide to insurance just for beauty professionals..
If you’ve still got questions, our knowledgeable sales representatives have the answers. Contact us at 866-825-1205 or email info@elitebeautysociety.com.
The State Board of Cosmetology in the state in which you want to offer services is the governing body that will provide licensure, usually upon completion of education and examination.
For example, the State Board of Cosmetology in Florida requires a full 1,200 hours in an approved cosmetology school and the successful passing of the state-issued examination in order to obtain a license.
The best resource for license information is the State Board, which governs the state requirements where you want to offer services. The process can be lengthy. So, it's best to start early if you want to move your license to another state. Some states do offer reciprocity for licensure, but this varies widely.
For example, the California Board of Barbering and Cosmetology says that out-of-state licensees can get a new license. They just need to fill out a reciprocity application and pay a fee. They must also prove their out-of-state license was active for three of the last five years and has yet to be revoked or suspended. Different states often vary in their required education. You may need more training hours to meet your new state's requirements.
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? | |||||
| Product 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 |
Grow Your Facial Specialist Career With Us
Elite Beauty Society is dedicated to empowering the careers of all facial specialists. We have provided the latest news, trends, and business tips to take your career to the next level.
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