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NEXT Insurance V.S. 
Elite Beauty Society

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What's the Difference?

When purchasing professional cosmetologist liability insurance policy, it's vital to have all the facts and know all of your options.

Get more affordable and more inclusive coverage with Elite Beauty Society.

Cosmetology liability insurance protects you and your career. Cosmetology insurance is a relatively low cost business protection, that far outweighs the price tag of the average lawsuit and having coverage protects you from claims regarding accidents  that can happen in your spa or client sessions. 

NEXT Insurance

  • Professional & General Liability Coverage: $1 million per occurrence, $2 million aggregate. 
  • Immediate Coverage
  • Student Rate: Not Offered.
  • Occurrence Form Coverage
  • Identity Protection Plan: Not Offered.

Elite Beauty Society (EBS)

  • Professional & General Liability Coverage: $2 million per occurrence, $3 million aggregate. 
  • Personal Injury and Advertising Injury: $2 million 
  • Immediate Coverage: As soon as you apply, you're covered!
  • Student Rate: Only $49 per year, no matter where you practice!
  • Occurrence Form Coverage
  • Identity Protection Plan: $25,000
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NEXT Insurance Coverage


Professional Cosmetology Insurance: $204 per year

NEXT insurance coverage is not provided in every state, and does not follow you wherever you provide your services. 

Elite Beauty Society does!

Our Coverage

EBS Professional Cosmetology Insurance 

Only $179 per year

Get 6overage Now!

How else does Elite Beauty Society compare to NEXT Insurance?

Elite Beauty Society offers professional cosmetology insurance and additional coverage's at one of the most affordable prices in the industry. We also include cosmetology student insurance!

The Elite Beauty Society policy is less than $0.50 cents a day.

Also, you’ll want to keep in mind that while you may be practicing at one salon or spa for now, you never know what the future holds! Opportunities may arise to teach an industry event, in private client’s homes, or at retreats and trade shows.

EBS insurance will follow you no matter where you decide to take your passion. Read more in our beauty insurance guide.

Other Member Benefits from Elite Beauty Society: 

FREE Professional Website

Partnerships With Top Brands

Product Discounts

Giveaway Promotions

Customer Service Reps Available 5 Days a Week

Coverage For Over 350 Different Salon & Spa Services

I was hunting for a good insurance policy that covered all the services  I offer, and stumbled across EBS. What a wonderful experience, and great customer service. And EBS is affordable plus the benefits to be with them are great. Thanks EBS!!

Sarah, B.

All representatives are extremely polite and willing to help out in any way possible….I have been a member for quite some time and would recommend them to everyone…Thank you for all your help when needed.

Tammy, B.

Absolutely love the experience. I've had EBS for 2 years now. First year just myself as a student and second year I upgraded to a professional policy . Enjoy the service and refer everyone who doesn't have insurance..

Stephanie, E.

Get Coverage Now!

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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