Light Therapy Specialist Liability Insurance

Whether you rent a treatment space in a wellness center, run your own light therapy practice, or work as a freelancer, a light therapy specialist insurance policy has you covered. This insurance offers peace of mind and security, no matter where your career takes you. Understanding your insurance options can help you make informed decisions when choosing the right liability coverage. Below is a detailed guide to everything you need to know about light therapy specialist insurance.

Given the hands-on nature of your work and the use of specialized light treatments, the risk of an accident is too high to go without professional liability insurance. At the bare minimum, a policy should have generous limits provided for both General Liability claims as well as Professional Liability claims. 

General liability is commonly referred to as “slip and fall” insurance. This is because there’s a liability to you as a business owner simply for allowing customers to enter your premises. If a customer trips over a loose tile or a cord in your salon and injures themselves, they can hold you liable for the damages. 

Professional liability is often called “malpractice” insurance. This coverage protects against injuries or other incidents that may occur during your light therapy sessions. For instance, if a light device is misused and causes skin irritation or burns, the client may hold you liable.

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.

Absolutely. Even though light therapy treatments are generally safe, there is still a risk of using equipment that could potentially cause harm to clients. No matter where, when, or how many hours you work, having liability insurance is essential.

When renting a space at a wellness center, you’ll likely be an independent contractor, meaning you’re typically not covered under the center's liability policy.

That’s why it’s important to have your own coverage for any potential claims that may occur while providing your services to clients.

With a light therapy specialist liability insurance policy from EBS, you’ll have the following:

• $2 Million limit for both Professional Liability and General Liability claims, up to a $3 Million Annual Aggregate. 

• $2 Million in Personal Injury and Advertising Injury

• $25,000 in Identity Theft Protection

Many carriers out there offer claims-made coverage because it’s simply more convenient for them to do so. This means a claim has to be made while a policy is active in order for it to be covered. We don’t believe in not covering something that rightfully should be, so we offer occurrence form coverage. This means that, even if your policy is long-expired, you’re covered. If a claim is made for an event that occurred while your policy was in effect, you are covered. It’s just one small way we make sure we’ve got your back.

Absolutely. Even while still in school, you’ll be practicing your techniques face-to-face with real people.

The smallest mistake or accident can, unfortunately, lead to a claim being filed against you. Our student policies cost just $49 for a full year of coverage. They offer a very affordable way to protect you and your future business from claims against you while still in school. Also, you’ll have access to the same incredible members-only benefits as our professional members. 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 light therapy specialist to choose from so they can 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. 

• Two-year light therapy 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 provides identity protection, a professional website, and access to many discounts and special offers. 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 you don’t see yours currently listed, you can also call or email a knowledgeable sales representative to see if we can add your chosen modality to our growing list.

Call 866-574-0520 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. Our program is tailored to meet the needs of every light therapy specialist and help them grow. 

You will have access to the EBS resource center. It holds a lot of information on topics like "how to set up a successful business," education tools, eBooks, and more. As a member, we’ll provide a free customizable website to take your business to the next level.

Also, EBS has partnered with top industry names. They offer members exclusive discounts on products and tools. 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 light therapy specialist insurance.  You will also get access to your member portal where you can 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 light therapy specialist.

We understand the decision to purchase liability insurance can be 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 866-574-0520 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 get started as early as possible when you decide you want to move your license from one state to another. Some states do offer reciprocity for licensure, but this varies widely.

For example, according to the California Board of Barbering and Cosmetology, out-of-state licensees can simply fill out a reciprocity application and pay a fee in order to receive a new license, as long as they have proof of a current license which has been active for three of the last five years and hasn’t been revoked or suspended. 

Often, different states vary the amount of required education, so you may need more training hours in order to satisfy your new state’s requirements.