Beauty Therapist Insurance & Beautician Insurance Quotes From $5

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

How Much Do Beauticians Pay For Insurance?

Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$8$96Best overall; Fastest general liability insurance for beauty therapists
CoverWallet$15$180Beauty therapist insurance quotes comparison online
Tivly$17$204Comparing beauty therapist insurance quotes over the phone
Thimble$20$240Short-term general liability insurance for beauty therapists
Hiscox$25$300Beauty 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.

Compare Beauty Therapist Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

General Liability Insurance For Beauticians

CoverWallet NEXT (Best)ThimbleHiscox
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

Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000
Tenant’s legal liability coverage limit 
Waiver of subrogation included?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoNoCan be included
Equipment breakdown floater included?No YesYesCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes

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

Short-Term General Liability Insurance For Beauticians

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

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. 

Professional Indemnity Insurance For Beauty Therapist

CoverWallet NEXTThimble (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?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
HIPAA coverage included?NoNoNoNo
Sexual misconduct coverage included?NoNoNoNo
License defense coverage included?NoNoNoNo
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

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Tools And Equipment Insurance For Beauticians

NEXT (Best)ThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes

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.

Beautician’s Commercial Property Insurance

CoverWalletNEXT (Best)ThimbleHiscox
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 signsExcluded$2,500ExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keysExcluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included

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.

Business Owner’s Policy For Beauticians

CoverWalletThimble (Best)NEXTHiscox
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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes

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.

Commercial Auto Insurance For Beauticians

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.

Workers' Compensation Insurance For Beauticians

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.

Compare Beauty Therapist Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Best Beauty Therapist Insurance Companies

These are the best beauty therapist insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance. 

NEXT Beauty Therapist 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

CoverWallet Beauty Therapist Insurance


  • 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

Tivly Beauty Therapist Insurance


  • 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

Thimble Beauty Therapist Insurance


  • 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

Hiscox Beauty Therapist Insurance


  • 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

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