Microdermabrasion Liability Insurance

Providing skincare services like microdermabrasion, working hands-on with clients, and using professional tools and products comes with real risk. At the bare minimum, a policy should have generous limits provided for both General Liability claims as well as Professional Liability claims. 

General liability protection 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 in your salon and injures themselves, they can hold you liable for the damages.

 
Personal liability is often called “malpractice” insurance. This coverage provides provisions for injuries and other loss events that occur in the event of your providing your service. If your hand slips with a curling iron and you accidentally burn your client, they may hold you liable for their injuries.

Absolutely. While estheticians and cosmetologists may seem fairly tame, no matter where, when, or how many hours you’re working, you’ll be using tools that can, and have, produced injuries to clients.

While renting a chair at a salon, you’ll be classified as an independent contractor and not generally covered under the salon owner’s professional liability policy.

That’s why it’s important to have your own coverage for any possible claim that can arise in the course of providing your services to clients.

With a cosmetology 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 Injury and Advertising Injury

• $25,000 in Identity Theft Protection

Many insurance companies 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, if a claim is made against you for an event that occurred while your policy was still in effect, you’re absolutely 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. For the low cost of just $49 for a full year of coverage, our student policies offer an incredibly cost-effective means to protect you and your future business from claims against you while still in school. Plus, you’ll have the same access to an incredible array of policyholder-only benefits, which are included with the cost of our student policy too.

Our rates are some of the best in the industry. We provide different options for cosmetologists to choose from so they can find what works best for them.

• One-year policy, the current rate is $179 a year, good anywhere you provide your services in the U.S. 
• For a two-year cosmetologist 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. 

Based on demand, we’ve also made available a benefits-only plan that provides identity protection, a professional website, and access to loads of discounts and special offers for an incredibly low rate of $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 and 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 866.868.3360 or email info@elitebeautysociety.com.

When you become a policyholder with Elite Beauty Society, you will receive liability insurance + a full suite of member perks.  Our program has been tailored exclusively to fit the needs and help grow every cosmetologist. 

You will have access to the EBS resource center, which holds a wealth of information on topics like "how to set up a successful small business", education tools, eBooks, and so much more. As a policyholder, 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 policyholders exclusives on products and tools at a discount. To name a few, you will save on PBF memberships, free Booksy trials, access to ACA-qualified health insurance, and 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 receive your certificate of insurance immediately after purchasing your cosmetology insurance. You will also get access to the online portal, where you can see your insurance documents at any time.

The process for adding an additional insured to your policy is simple. Please just fill out this form and one of our trained reps will take care of the rest!