Light Therapy Insurance

The best light therapy insurance policies will provide essential coverage for the liabilities that can present themselves in the normal course of business to beauty professionals. General liability, also referred to as slip and fall insurance, covers members from a loss event occurring simply from having a customer enter your premises. As the moniker implies, a simple puddle of water on the floor which causes a client to slip and fall can give rise to a claim. In this case, the member would be covered up to $2 Million per occurrence and $3 Million aggregately per year. Professional Liability claims are also called malpractice claims because they occur while you’re performing your discipline’s service. An example would be if you applied a lasering tool for slightly too long and a patient was burned as a result. In this case, your professional liability limits would cover the claim up to the same limits as your general liability coverage. EBS also has you covered in the instance that an equipment malfunction were to cause an injury or a client had allergic reaction to a product used.

But we don’t stop there, in addition to the comprehensive coverages listed, members also receive identity theft protection, a free professional website, and access to members-only discounts. It’s always good to be informed and we invite you to compare us to the competition. Once you discover how EBS compares you’ll know why we are ranked at the top for light therapy insurance.

As a light therapist, you are responsible for the health and welfare of your clients. Your education and experience enables you to offer your clients excellent services. But you have a responsibility to protect your most precious asset—your career. Let’s face it: Accidents happen. But you can be prepared for the unexpected.

Professional Liability Insurance is a form of risk management in which the insured skincare professional can be protected and relieved of the financial responsibility of a potential loss.

What does that mean?
It is designed to protect skincare professionals from claims arising outside of their direct professional skills.

Read more about the type of liability insurance light therapists actually need.

Yes, even for a part-time light therapists, you will still be performing the same hands-on treatments with a variety of tools and apparatuses that can, unfortunately, give rise to a claim being filed against you. A client’s adverse reaction to a numbing/soothing cream or a burn from a tool that was too intense/hot are both real-life scenarios that have led to actual claims being filed against light therapists. Most states even require light therapists to carry professional liability insurance in order to obtain and/or renew their licenses. Be sure to check the State Board for your discipline in the state in which you desire to practice before setting up shop.

One of the most convenient aspects to Elite Beauty Society’s policies lies in the ability to obtain instant proof of coverage. As soon as you purchase a professional light therapy liability insurance policy and the system processes the order, you’ll receive an email with proof of coverage, as well as, access to a host of additional member benefits.

Light therapists generally focus their practice on improving clients' skin (both when afflicted and pre-emptively) and the variety of treatments and regimens associated therein. Comparatively, beauticians, or cosmetologists, tend to focus on hair, nails, and potentially esthetics. However, there are many examples of light therapists that perform certain cosmetology treatments within their practice and vice versa. In fact, some states will allow one license to cover both disciplines, but be sure to check with your State Board for details. Elite Beauty Society’s liability insurance policy covers light therapists, as well as more than 500+ additional beauty and wellness services, including cosmetology, nail technicians, and even salon business owners insurance.

Unless you like gambling with your future, definitely. Even while in training, you’ll have client-facing situations and other circumstances where a claim event could occur. Without insurance, you’ll face having to pay for these claims out of your own pocket. For students who are enrolled in light therapy courses and are not licensed yet, you may still purchase a comprehensive light therapy professional liability insurance policy at an incredible rate of just $49 for a full year of coverage. When you sign up prior to graduating your courses, you receive the full limits of coverage and all of our members-only benefits of the professional program for a full 12 months.

We have several options for light therapists to choose from so they can find what works best for them and their business. For a one-year policy, the current rate for full-time and part-time skin care professionals is $179, which is good no matter where you practice in the U.S. For a two-year light therapy insurance policy, the rate is $299, a $59 savings over buying two, one-year policies. We also offer incredibly affordable light therapist student rates—just $49 for a full year of coverage.

In addition to all-inclusive coverage, we also offer a tremendous array of exclusive, members-only benefits. Recently, we’ve also been able to add micro-blading coverage to our insurance plans. This addition is only $499 per year. Read more about how much light therapy lability insurance costs as well as the costs of not having insurance.

To be worth the investment, light therapy insurance should be both affordable while also being reliable. Our light therapist insurance program provides smart, real-world coverage at rates that run around $13 a month. With this program, you get all the way up to $2 million for each occurrence of general or professional liability. Members get additional peace of mind for things like claims being filed against them from years prior with our included occurrence form coverage , or even stolen identity. Not stopping there, when you sign up, you get instant access to a free professional website and access to over $750+ in member benefits. Our program really stands out when we throw in hundreds of dollars worth of discounts and early access deals on products and services from some of the best names in the beauty industry like Paul Mitchell and Redken.

At a minimum, a light therapy insurance policy should provide comprehensive coverage for each discipline that you choose to offer to clients. The policy should include provisions for general liability, as well as, professional liability claims. Elite Beauty Society liability insurance coverage provides generous provisions for each of these, all the way up to $2 million per claim and a $3 million annual aggregate. But unlike other skin care insurance providers, we don’t stop with the bare minimum. Elite Beauty Society plans also come with the added protections we’ve learned are vital to a light therapist's business such as coverage for identity theft protection and occurrence form coverage.

In any industry, accidents are inevitable and unpredictable. The average claim in the spa industry is $5,500! Without insurance, this cost would come 100% out of your own pocket.

By carrying light therapy liability insurance, you can transfer the risk of monetary loss to your insurance provider. You no longer have to carry the emotional stress of figuring out how you’re going to pay a claim or defend yourself during the investigation period.

It only takes a single lawsuit or claim to bankrupt you.

You are a skin care professional with specialized training and certification. Though you may not be ultimately responsible for an injury or damages, your role makes you a target. Even baseless claims require you to defend yourself.  Legal defense can be costly.

Yes, professional light therapy liability insurance from Elite Beauty Society requires individuals to be licensed or certified in accordance with any regulations regarding their profession in the states in which they practice.

Elite Beauty Society offers many additional member benefits designed to help you and your business thrive. In addition to a comprehensive professional liability insurance policy, you’ll receive award winning service from our insurance specialists that can help you anytime you need to contact us. You’ll also receive instant coverage the moment you sign up for a policy. Finally, you’ll have access to exclusive, members-only benefits like an identity theft protection plan, a free professional website, and discounts from some of the top names in makeup products and accessories.

We want you to have absolute peace of mind and the assurance you’ll be covered no matter what. So unlike other insurance carriers out there, Elite Beauty Society uses occurrence form coverage in our professional liability insurance policies. This means that even if your policy is expired and someone files a claim against you, you’re still covered as long as the claim event occurred during the period when your policy was still in effect.

Most definitely! Our light therapy insurance coverage has built-in portability. This means if you change jobs, move states, or change from using a mobile salon to a stationary setting, you don’t have to do anything with us beyond making sure you update your contact information. Have peace of mind and the freedom to provide services wherever it’s advantageous because your light therapist insurance is still 100% effective in all 50 states throughout your policy’s term.

Decisions you make early in your career can have lasting effects so doing a comparison is a great idea. When comparing your options for the best light therapist insurance, you should compare the coverage breadth and depth.

Breadth in light therapist insurance means how widespread the coverage applies to events applicable to the industry. Look at the different coverage options included with the policy to determine which applies best to your unique situation.

 
Depth of the coverage means how much coverage of each option is provided. Solid light therapist insurance plans will provide at least $2 million per occurrence for general and professional liability claims, as these are the most common types of events for your profession.

See why hundreds of your fellow beauty pros rated our program as ‘Excellent’.