Liability Insurance Guide | Elite Beauty Society

Liability Insurance Guide for Beauty Pros

A quick overview of what insurance is.
Understand the differences between types of insurances.
Become confident in deciding which insurance works best for you.
Knowing the importance of needing insurance as a beauty professional.
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Frequently Asked Questions

We began our company as Beauty Insurance Plus in 2015 and have since evolved into an all inclusive insurance provider for professionals in the beauty industry. We are a company of like minded beauty pros offering the safety and security you need to thrive throughout your career in beauty and wellness. With comprehensive insurance, really sweet benefits, and tons of extras thrown in, our highly affordable plans gives you peace of mind while you pursue your passion. With industry leading coverage for every beauty professional including estheticians, microblading, make up artists, and cosmetologists, our beauty insurance coverage delivers when you need it most and every day in between.

At Elite Beauty Society, our plans are designed with convenience in mind. We offer several different options for beauty professionals to choose from including:

One Year of Professional Beauty Insurance ^$159.00
Two Years of Professional Beauty Insurance ^$279.95 (saves ^$38.05)
One Year of Student Beauty Insurance ^$25.00
Adding Microblading coverage to your policy ^$499.00
One Year of a Benefits Only Plan (all the benefits, just no insurance) ^$39.00

We also offer the option to add additional businesses to your policy. Sometimes if you are renting a booth in a salon the landlord will automatically require this. You can add a business for just ^$10 per year or ^$15.95 for a two-year policy. Throughout a policy term you may find you have multiple businesses to add, in that case consider the unlimited additional businesses package for ^$30 per year.

Events big and small will happen throughout your career and even for the most practiced beauty professionals, there are many incidents that you simply cannot plan for. You may have a long history with a particular client and then have a situation where a new product you use leads to an adverse allergic reaction. Now, a once-trusted client suddenly demands you pay for all of their medical costs. Without beauty insurance, this sum comes straight out of your hard-earned revenue.

Beauty insurance provides you with great coverage limits in the areas of general and professional liability, as well as product liability (which would help cover the allergic reaction in our example). Taking coverage a step further in an industry with a lot of risks, we provide our members with common-sense coverage for things like make-up and other valuable equipment that gets stolen, damages that occur to a rented space, and even an identity protection plan.

Microblading may seem like it’s outside the realm of beauty insurance, but with our comprehensive program developed just for beauty professionals, you have the option to add full and complete microblading insurance coverage.

Your insurance policy is a contract between you and your insurance company. Whenever you sign a contract, you should understand the basic provisions. With beauty insurance, consider first the completeness of coverage. Beauty insurance needs to provide enough of a safety net for the most common events.

Most claims faced include liability related to your premises, called general liability, and/or liability related to the services you provided to a client. Additional protections you should have include coverage for allergic reactions, which falls under product liability coverage. Other coverage options to consider having include stolen equipment coverage and coverage for damages that occur to a rented space. The best beauty insurance policy will provide all of these protections plus a benefits plan full of deals from leading names in beauty like Paul Mitchell and Redken. Since our beauty insurance program contains all of these things, it looks like you’ve come to the right place!

Absolutely! Our beauty insurance program was designed specifically for today’s professionals on-the-go. We know many beauty pros deliver their services in a mobile or even blended environment. No need to worry if a change in locale means a drop in your coverage through us. No matter where you provide services; whether that’s as an employee in a salon, as a sole proprietor providing mobile services, as a professional providing cosmetic services in the mall, and no matter where your career takes you, with Elite Beauty Society your policy is fully portable in all 50 U.S. states.

Esthetician insurance is a really affordable way to protect your career for the long term. As an effective risk mitigation measure, for as low as ^$139.95 per year, you ensure you are protected when things don’t go quite as planned.

For estheticians, you are providing services to the sensitive areas of the face and neck. You are using products with chemicals, sharp instruments, and need to have great focus and steady hands to help your client look and feel beautiful. These conditions breed many opportunities for liability. Liability is simply something you are responsible for paying. With estheticians, this could mean a client tripping on the way to your booth, alleging your service injured them in some way, having a terrible allergic reaction, or one of any number of other ways that accidents happen.

Esthetician insurance means you get limits running into the millions of dollars to cover the costs a claim brings, plus get to enjoy your exclusive member benefits like a free website and a free beauty subscription from day one.

At Elite Beauty Society, we provide liability insurance coverage to a wide range of beauty and wellness services. For starters, we offer comprehensive beauty insurance coverage for professional estheticians, professionals offering microblading, cosmetologists, insurance for salons, makeup artists, nail technicians, spray tans, and even students still in beauty school. In addition to these, many forms of massage are also covered. See the more than 350 different services we currently cover here.

From clicking on the policy option that’s right for you, filling out the application, and checking out, the process usually only takes a few minutes. When you’re all done, you have instant coverage and access to proof of coverage through the member portal.

We appreciate you need the best bang for your buck and designed our policies to be the best blend of coverage and affordability. Knowing you’re protected in the event of an accident is great but what happens when you don’t have to utilize this coverage? To give our members continuous value for their investment in us, we provide one of the best benefits programs in the industry. By fostering relationships with recognized leaders in beauty, we’re able to secure exclusive discounts and early access deals from names you know and trust like Paul Mitchell and Redken. Completely free benefits include a free professional website to advertise your services online and a subscription to a beauty publication of your choice.

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Frequently Asked Questions

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