Esthetician insurance is a protection you can put in place against the unknowns in the profession. As a skin care professional, you're working around a lot of very sensitive areas, using chemicals, sharp tools, hot irons, and more with advanced procedures all to pull off the perfect look.
The more time you spend as an esthetician, true your skills will grow, but statistically speaking you are also simply more likely to have some form of incident at some point.
Accidents Can Come Out of Nowhere
Unfortunately, accidents come in all shapes and sizes. As leaders in esthetician insurance, at Elite Beauty Society we’re proud to have protected our members through thick and thin and everything in between. Allergic reactions, slip and falls, professional liability claims—there is almost an endless amount of liability out there.
Looking closer, potential sources of risk within beauty salons come in many forms including:
Slippery floors from spilled products, cleaning solution, clippings, etc.
- Burns from hot wax, blow dryers, curlers, and other hot instruments.
- Lacerations from scissors, nail clippers, and other sharp tools.
That’s where esthetician liability insurance comes in. With our policies, you can quickly secure millions of dollars worth of coverage, an awesome benefits package, and a stellar support network all with a couple clicks and a few minutes of your time—for one, low rate.
Estheticians Insurance Protects Your Finances and Your Career
If you ever have a mishap, rather than having to pay out-of-pocket, which could prove both costly and possibly career-ending, you get A+ rated insurance from one of the best esthetician insurance programs out there. This plan covers both the costs of the claim and any legal defense fees if they become necessary. In the end, esthetician insurance is a small investment with big-time, real-world protections built-in. These protections are your safety net that lets you keep doing what you love with absolute confidence.
Esthetician Insurance Covers Risks
Liabilities, or risks, are having to pay for something. If someone is injured at your place of business or their property is damaged, they may decide to seek compensation under a general or professional liability claim. That’s where insurance that covers general and professional liability is so vital to estheticians today.
General liability is also called slip and fall insurance and you can think of this as accidents that can happen out of nowhere at your facility. A slip on a puddle next to the water fountain might be all it takes for a lawsuit. Professional liability is similar but applies to the actual services you provide. Wax burns and peels are one of the most common types of injuries and can be severe enough to send a client to the ER. That’s why EBS includes a full $2 million per occurrence and a $3 million individual annual aggregate for both general and professional liability-related claims you might face.
General and professional liability is great and you’ll see it on most any estheticians insurance policy. However, for true protection in the modern age, you need to go further. With EBS, all under one policy you’ll also get protection like:
- Identity theft protection plan: covering all your bases in this day and age also must extend into cyberspace. The business of beauty has never been more digital but this opens up risk as well. If your identity is ever compromised, EBS has your back with $25,000 worth of identity restoration services from a dedicated specialist.
While being an esthetician does carry risk, you can do what you love with absolute confidence when you put a solid protection plan in place.
Who Needs Esthetician Insurance?
Estheticians today offer a full range of different services, generally all under one roof. You may be renting booth space at a salon, own a mobile set-up and do in-home consultations, or even own your own space. However you operate, you need to make sure your esthetician insurance plan is set-up to cover your specific situation and the services you provide.
There are plenty of insurance programs out there that offer coverage for only a few of what they call “core” services. For example, this might be make up, nails, and facials. If you wanted to offer body wraps, chemical treatments, or dermaplaning, you’d either have to purchase additional coverage or you may risk not having coverage at all.
At Elite Beauty Society, we are firmly entrenched in the business of beauty so we absolutely know that estheticians today may offer a ton of services even within the same session with a client. You may be working on make-up, nails, eye lashes, hair, and more all to make a bride look her best for her big day. Whatever the occasion, you make a name for yourself based on your skills and what you can provide. That’s why our plans cover hundreds of different beauty treatments all under one, all-inclusive esthetician insurance policy.
Portable Coverage With Esthetician Liability Insurance
Estheticians today are more mobile than ever before. You may rent space at several salons at once, move from one employer to another, or even move across the country all so you can offer the very best services to the right kind of clientele for your skillset. Portability is one aspect that can make or break the esthetician coverage you have.
For instance, if your insurance doesn’t have portability and you decide to move from one state to another, your insurance may no longer be valid in the new location or you may have to pay an additional fee. With full portability built into every Elite Beauty Society policy, you don’t have to worry about a thing if you ever change locations.
Best Esthetician Insurance For Career-Minded Professionals
Estheticians are in high demand today and can make a great living inspiring their clients to look and feel their most beautiful. In fact, according to Indeed, estheticians in the U.S. make an average of $27.15 an hour. When you put in all the work to get through school, get licensed, and finally start earning a living as an esthetician, it’s a great feeling. So imagine all of the hard work being put on the line.
Without insurance, you are literally gambling with your career. For one low rate you can get complete peace of mind knowing that everything you’ve worked so hard for is secure with rock-solid esthetician insurance from Elite Beauty Society. On top of great coverage, you also get immediate access to a member’s only benefits suite that’s worth hundreds of dollars all by itself. Enjoy great discounts from top names in beauty products and business services, a free custom website, exclusive invitations to free trials and early-access programs, libraries of curated content, and so much more.
When you compound everything you get inside one policy you get a value-driven insurance plan that starts paying dividends the moment you purchase the policy.
How Much Does Insurance for Estheticians Cost?
Okay, probably the number one item anyone shopping for insurance looks at is price. How much does insurance cost? With a lot of programs out there the answer is going to be “it depends”. You’ll fill out a long questionnaire saying where you live, your experience level, what services you provide, and a host of other questions all to determine your rate.
We went a different route with upfront and transparent pricing. We have many different options to make it as easy as possible for members to get the right plan that works for their budget. You can get a one-year policy or save a little money by purchasing a two-year policy. If you’d like to pay monthly for esthetician insurance, we have options there too. We even provide a professional-grade policy just for students at a steeply discounted rate. You’ll never have to jump through a bunch of hoops just to see what you’ll get and what you’ll pay. It’s just one more small way we aim to support beauty professionals with best-in-business esthetician insurance.
