Hairstylist Liability Insurance

Working with people face to face while using shears, heat tools and styling products carries enough risk that professional liability insurance isn’t something to let slide to the side. At minimum, your policy should include strong limits for both general liability insurance and professional liability coverage.

Absolutely. If you rent a chair or suite inside a salon, you’re usually classified as an independent contractor, which means the salon owner’s liability policy typically won’t apply to you.

Having your own hairstylist liability insurance ensures you’re protected if a claim arises, even when you're working in someone else's salon. It’s a simple way to safeguard your business income and your reputation.

With a cosmetology or hairstylist liability insurance policy through Elite Beauty Society, you receive:

• $2 Million per claim for both General and Professional Liability and Up to $3 Million in total 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 lead to a claim being filed against you. For just $49 a year, a student policy from Elite Beauty Society gives you an affordable way to protect yourself and your future business while you’re still in training. You’ll also receive access to the same benefits and professional tools included with a full policy, so you can start building your career with confidence.

Our rates remain among the most competitive in the industry, offering multiple plans so each cosmetologist can choose what fits their business needs best.

• A one-year policy is $179 annually and applies anywhere you provide services within the United States.
• A two-year cosmetologist policy is available at $299, which saves $59 compared to purchasing two separate one-year terms.
• Students receive a full year of coverage for just $49.

For those who only want added benefits without full liability protection, we also offer a benefits-only plan at $39 per year. It includes a customizable professional website and access to discounts and special offers from partnered brands.

Our rates remain among the most competitive in the industry, offering multiple plans so each cosmetologist can choose what fits their business needs best.

• A one-year policy is $179 annually and applies anywhere you provide services within the United States.
• A two-year cosmetologist policy is available at $299, which saves $59 compared to purchasing two separate one-year terms.
• Students receive a full year of coverage for just $49.

For those who only want added benefits without full liability protection, we also offer a benefits-only plan at $39 per year. It includes a customizable professional website and access to discounts and special offers from partnered brands.

When you purchase a policy through Elite Beauty Society, you receive liability insurance along with a full suite of added insurance policy benefits. You’ll gain access to the Elite Beauty Society resource center, which includes education tools, eBooks and guidance on topics like building a successful independent business.

Elite Beauty Society partners with leading beauty industry brands to offer exclusive discounts on products and tools. Benefits may include savings on GlossGenius subscriptions, complimentary Booksy trials, and one month of online therapy through BetterHelp. More perks are added regularly.

Protect your work and build your business at one affordable annual rate.

You will receive your certificate of insurance immediately after purchasing your cosmetology insurance. You will also get access to your policyholder portal, where you're able to see your insurance documents at any time.

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