A beauty therapist insurance plan consists of general liability, commercial property, professional liability, workers compensation, and other insurance policies. Get this so that beauty salons won’t think twice about hiring you as an independent contractor. You can also use this to cover lawsuits in case customers get injured during a microblading session. Beauty therapist insurance might even help if your clients display allergic reactions after using a cosmetic product. Read this beautician insurance guide to:
Know how much beauticians pay for insurance
Compare the quotes of different insurance policies for beauticians
Review the best companies
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $22 | $264 | $0-$500 |
| Professional indemnity insurance | $38 | $456 | $500-$1,000 |
| Commercial property insurance | $30 | $360 | $1,000 |
| Business owner’s policy | $25 | $300 | $1,000 |
| Commercial auto insurance | $49 | $588 | $1,000 |
| Workers compensation insurance | $58 | $696 | $2,000-$5,000 |
A $1 million general liability insurance costs $22 per month or $264 per year. This beautician insurance cost estimate assumes that you have 5 employees and make $500,000-$750,000 annual revenue.
Another way to look at the cost is to examine the rates of insurance companies. The table below shows the cost of carriers you might want to work with:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $8 | $96 | Best overall; Fastest general liability insurance for beauty therapists |
| CoverWallet | $15 | $180 | Beauty therapist insurance quotes comparison online |
| Tivly | $17 | $204 | Comparing beauty therapist insurance quotes over the phone |
| Thimble | $20 | $240 | Short-term general liability insurance for beauty therapists |
| Hiscox | $25 | $300 | Beauty therapist insurance policies with customizable limits, deductibles, and endorsements |
Get a better idea of your rates by looking at the offers from insurance companies yourself. Click on the “Get Quotes’ button on this page to compare cheap beauty therapist insurance quotes online.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
Accidents can happen and inflict independent contractors, clients, visitors, and other third parties with bodily injuries or property damage.
Because of this, it's good to get general liability insurance. The table above compares the features of beautician liability insurance from different companies.
About 100% of beauticians get general liability insurance. This grants protection when a third party holds you liable for property damage or bodily injuries. Here are some situations where this insurance is handy:
A client slips and falls in the premises of your business
The chair collapses and the client sitting on it gets hurt
An independent contractor experiences an accident while installing or building something for you
The client gets a burn during a laser removal treatment
So what specific costs do general liability insurance cover? You can claim general liability insurance to pay for these expenses:
Medical treatment
Reimbursements for property damage
Settlements
Attorney fees, court filing fees, and other defense costs
General liability insurance for beauticians is very comprehensive. It will also grant protection if you face a claim for:
Slander, libel, or copyright infringement
Injuries or property damage caused by a product or completed service
Damage to the landlord’s property
Some insurance companies that underwrite self employed beauty therapist insurance plans sell a short-term general liability policy.
As you might have guessed, a short-term general liability policy is temporary insurance. It grants coverage for a day, a number of days, weeks, or months.
The majority of beauty therapy interns get this insurance during their OJT, as it’s a requirement of most salons.
Public liability insurance for beauticians and beauty therapists has the same basic function as general liability insurance.
It provides a shield if a third party files a claim for property damage or bodily injury against you.
In the USA, public liability insurance for beauty therapists isn’t available as a stand-alone policy. This is sold as part of events insurance and general liability insurance.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included |
| HIPAA coverage included? | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No |
| License defense coverage included? | No | No | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 |
Beauty professional insurance plans also offer professional indemnity insurance aside from general liability insurance. Use the table above to compare the professional indemnity insurance quotes of different companies.
Professional indemnity insurance is also known as errors and omissions insurance or professional liability insurance. About 75% of beauticians purchase this policy.
The coverage of professional indemnity insurance for beauty therapists applies if a client files a claim and accuses you of:
Violating the usual standard of care
Providing the beauty treatment they didn’t ask for
Inflating the cost of your services and products
Negligence
Inaccurate advice
Lying about your experience and portfolio as a beautician
Beauticians can choose to get a per-occurrence or claims-made professional indemnity insurance.
Per-occurrence professional indemnity insurance is the best option if you don’t plan on switching insurance companies. It grants coverage even after the duration of its terms has expired.
While this isn’t common, professional indemnity insurance can also protect you against these exposures:
Investigations and lawsuits filed by licensing boards
Sexual harassment and molestation claims
HIPAA violation claims
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $5,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
You rely on many equipment and tools to provide a service. It’s impossible to tend to clients well if you don’t have heat lamps, hood dryers, shears, makeup kits, tanning beds, and other implements.
Get tools and equipment insurance. Use the table above to compare the quotes for tools and equipment insurance for beauticians.
Tools and equipment insurance reimburses losses if the tools and equipment you use to provide beauty services get damaged or lost because of:
Fire
Theft
Vandalism
Water
Impact
Operator error
The coverage of this insurance can also apply to tools and equipment you borrow or rent. Note that this depends on which insurance company you chose.
Tools and equipment insurance is available as a stand-alone policy. However, if you get insured online, you’ll avail this as an endorsement to general liability insurance.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
Commercial property insurance is useful if you own or rent a salon and want to insure it in case something happens.
You can also purchase this insurance if you’re a salon booth renter, and the owner demands comprehensive coverage from you. Use the table above to compare the quotes of commercial property insurance for beauticians.
Commercial property insurance reimburses your losses if the salon gets damaged or destroyed because of:
Fire
Theft
Vandalism
Civil commotion
Riot
Volcanic action
Sinkhole collapse
Aircraft
Vehicle
Falling objects
Snow
Hail
Winds
The coverage of commercial property insurance also applies to lotions, soaps, creams, and other products in your salon that gets damaged or destroyed due to fire, theft, and other perils we mentioned above.
Commercial property insurance comes with endorsements, so it can protect you against other exposures aside from business property damage or loss. Expect to find any of these included in the policy’s terms:
Business interruption endorsement
Employee dishonesty endorsement
Customer property protection endorsement
Inland marine endorsement
While comprehensive, commercial property insurance can’t protect your business against floods, mudslides, landslides, war, and nuclear explosions.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 |
| Commercial property insurance aggregate limit | $50,000 | $500,000 | $260,000 | $100,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
Beauty treatment insurance plans offer a business owner’s policy, which is a great option if you’re not sure which kinds of insurance to get for your business. About 76% of beauticians purchase this.
Use the table above to compare the business owner’s policy of insurance companies you might want to try working with.
A business owner’s policy is a combination of general liability and commercial property insurance. It protects your business against lawsuits and business property damage or loss.
It’s also possible for a business owner’s policy to offer other insurance products such as business interruption, employer's liability, and cyber liability insurance.
Do you provide personal care and beauty services at a client’s home? In this case, consider getting commercial auto insurance.
Commercial auto insurance is a common inclusion in mobile beautician insurance programs. This grants the protection you need in case something happens while you’re using a vehicle for work.
Here’s a quick summary of how commercial auto insurance works:
Get the third parties treated who sustained bodily injuries because of a vehicular accident you caused
Reimburse the properties of third parties that got damaged or lost because of the vehicular accident you caused
Help you get the commercial vehicle repaired if it got damaged or lost because of fire, theft, collision, and other covered perils
Cover your medical treatment as well as that of the passengers in the event of accidents caused by an uninsured/underinsured driver
The commercial auto policy of mobile beauty therapist insurance programs must provide the minimum liability coverage mandated by the state where you’re conducting business.
Do you employ one or more people? In this case, it’s smart to get workers compensation insurance. 80% of beauticians get this.
Burns, cuts, and shoulder pains are the most common workers compensation claims you’ll face. Workers' compensation insurance allows you to grant employment benefits for these without incurring losses.
It’s hard to say how much insurance money you can get from workers' compensation insurance, as this is mandated by the state law of the particular state where you’re doing business.
Remember that workers' compensation insurance, regardless of where you decide to get it, functions to cover these exposures:
Medical treatment
Hospitalization
Medication
Rehabilitation and retraining
Lost wages
Funeral expenses and allowance to dependents in case of death
Failure to get workers' compensation insurance when you have one or more part-time and full-time employees is a violation. Authorities can impose penalties or even indict you.
To save money on premiums, we suggest you go for pay-as-you-go workers' compensation insurance.
Get all the best quotes from leading providers in a click of a button!
These are the best beauty therapist insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for beauty therapists
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT’s beauty therapist insurance program offers basic, premiere, and deluxe coverage options.
This company’s basic aesthetic insurance for beauty therapists only offers a general liability policy bundled with professional liability insurance. You can add tools and equipment insurance to make this a bit more comprehensive.
The deluxe coverage is your best insurance option from NEXT. It offers commercial property, general liability, workers compensation, employer’s liability, and professional liability insurance.
Go for bundles when working with NEXT rather than buying only one policy. By doing this, you’ll get a 10% discount on premiums.
Best for: Best overall; Fastest general liability insurance for beauty therapists
Average cost: $8 per month
Our rating: 10/10
Compare the quotes of many insurance companies online
Easy online policy management and payment of premiums
Call and cancel a coverage anytime
Sells different kinds of insurance for beauticians
Not an insurance company but a broker
CoverWallet grants coverage to beauty therapists through its personal care services insurance plan. Policies you can get are general liability, workers compensation, commercial auto, business owner’s policy, professional indemnity, and more.
Your general liability policy from this company has a $1 million per occurrence limit. Additional perks are included such as hired and non-owned auto liability coverage and waiver of subrogation.
Understand that CoverWallet doesn’t underwrite the policies it sells. Your insurance policies are underwritten by its partners such as Chubb, Liberty Mutual, CNA, and more.
Best for: Beauty therapist insurance quotes comparison online
Average cost: $15 per month
Our rating: 10/10
Responsive customer service
Call and compare quotes over the phone
A partner of many reputable insurance companies
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) can refer you to its partners who underwrite general liability, commercial property, and other business insurance for beauticians. Try this company if you provide specialized services that make most carriers reject coverage. Call Tivly now and compare beauty therapist insurance quotes over the phone.
Best for: Comparing beauty therapist insurance quotes over the phone
Average cost: $17 per month
Our rating: 10/10
Sells long-term and short-term general liability insurance
Quick to issue quotes
Numerous add-ons to general liability insurance
You can’t reach customer service by calling
Thimble’s beauty therapist insurance offers general liability, commercial property, and workers compensation insurance.
If you get general liability insurance as a stand-alone policy, you can add professional liability coverage to your insurance plan. This comes at an additional cost though.
What you’ll like about Thimble is that its general liability policy comes with endorsements for business equipment, data breach, and customer property.
Thimble also sells a short-term general liability policy by the hour, day, or month.
Best for: Short-term general liability insurance for beauty therapists
Average cost: $20 per month
Our rating: 9/10
Choose between various limits and deductibles for your insurance
Automatic policy renewal
14-day money-back guarantee
Most endorsements aren’t free
Hiscox’s beauty therapist insurance program offers general liability, professional liability, cyber liability, and business owner’s policy.
This company allows you to choose between various limits and deductibles for your insurance. The same can be also done to endorsements.
That said, choose Hiscox if you’re looking for a beauty therapist insurance plan that offers highly customizable insurance policies.
Best for: Beauty therapist insurance policies with customizable limits, deductibles, and endorsements
Average cost: $25 per month
Our rating: 9/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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