Scalp Treatment Specialist Liability Insurance

Working with clients in person and using natural treatments, there's too much risk of an accident 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 provides provisions for injuries and other loss events that occur in the event you provide your service. If your hand slips while applying a product and you injure your client, they 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.

• Identity theft protection is important in today’s digital age. With most scalp treatment specialists maintaining an online presence, there’s a risk of hackers stealing your information. Our policy includes identity theft protection, helping you recover losses if your data is compromised.

Yes, you do. Scalp treatments, like massages, exfoliation, or product applications, involve tools and products that could cause harm to clients, even when you’re careful.

As an independent contractor renting space at a wellness center, you won't be covered by the center's liability policy for your services.

That’s why having your own scalp treatment liability insurance is essential. It protects you from potential claims that could arise while working with clients.

With a scalp treatment 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.

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 866-868-3360 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 scalp treatment 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 scalp treatment 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 scalp treatment specialist.

We understand the decision to purchase liability insurance can seem daunting, 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 866-868-3360 or email info@elitebeautysociety.com. 

Yes, scalp treatment specialists often require specific qualifications or licensing, depending on the services they provide and the regulations in their region. Below are common qualifications for different scalp treatments:

• Scalp Micropigmentation: Practitioners may need a tattoo or micropigmentation license, often requiring specialized training and a certification exam. Regulations can vary significantly by state or country.

• Trichology Treatments: Specialists in trichology, which focuses on scalp health and hair loss, often need certification from recognized trichology associations. This certification typically involves completing coursework and passing an assessment.

• Hair and Scalp Treatments: For treatments involving advanced scalp care, like exfoliation, deep cleansing, or conditioning therapies, a cosmetology or esthetician license is commonly required. This usually includes completing a certified training program and passing state or regional exams.

• Laser and Light Therapy: Specialists using laser or light therapy for scalp treatments might need a specific certification in laser safety and operation, which can include both training hours and a licensing exam, depending on local regulations.

The State Board of Cosmetology in the state that 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.

If you move to a different state, you may need to transfer your scalp treatment specialist license. The process varies by state, and some offer license reciprocity, allowing you to transfer your license without extensive retraining.

• Reciprocity: Some states recognize licenses from other regions, but requirements such as proof of an active license or a certain amount of experience (e.g., 3 of the last 5 years) may apply.

• Additional Training: In other states, you may need to complete additional training hours to meet local requirements.

• State Board: The best resource for transferring a license is the State Board of Cosmetology or the governing body of the state you plan to move to. They provide guidelines on the steps needed for a smooth transfer.

It’s important to check the specific requirements in your new state to ensure your qualifications meet their standards.