Cosmetologist insurance is a specialized insurance plan that offers professional liability, general liability, workers' compensation, commercial property, and other policies. Get this if you're a cosmetologist who owns a clinic, renting a booth, or working at a beauty establishment. Read this guide to know:
The function and limits of the different types of cosmetology insurance policies
The cost of premiums
Recommended insurance companies for a comprehensive coverage
Limits Of General Liability Insurance for Cosmetologists
| Value | |
|---|---|
| General liability insurance per occurrence limit | $2 million |
| General liability insurance aggregate limit | $3 million |
| Products and completed operations coverage limit | $2 million |
| Advertising injury coverage limit | $2 million |
| Rented premises liability coverage limit | $100,000 |
| Stolen equipment floater coverage limit | $1,000 |
Accidents can happen in your employer’s beauty establishment or the cosmetology clinic you own. Consider getting a $2 million cosmetologist liability insurance as a countermeasure.
You must get general liability insurance as a salon booth renter. No landlord will sign the rental agreement if you’re not covered.
General liability insurance for cosmetologists covers costs if clients, vendors, independent contractors, and other third parties sustain injuries or property damage because of your business. This is useful when:
An independent contractor gets electrocuted and falls from a height while installing signage or lighting for your cosmetology clinic
You spilled dye over a client’s expensive clothing
Your beauty equipment caught fire, and the booth you’re renting sustains damage
Your chair is defective. It slumped to the floor, and the person sitting on it sustained a broken hip
Your hair trimmer went haywire and inflicted the client’s scalp with cuts and burns
You use general liability insurance to cover these costs each time a third party files a claim for bodily injuries or property damage:
Medical treatments
Refunds for property damage
Settlements for pain, suffering, and property loss
Defense costs
Compensation for punitive damages
Cosmetologist liability insurance comes with an equipment floater that covers replacements or repairs if carts, hair trimmers, scissor kits, and other equipment get lost or damaged because of theft.
General liability insurance doesn’t only protect you against claims for bodily injuries, property damage, or equipment theft. This policy is very broad and will also take care of other exposures, such as:
Claims for slander, libel, copyright infringement, invasion of privacy, and breach of confidentiality
Claims filed by the landlord because you damaged his or her commercial space
Auto accidents that a vehicle you hired or borrowed caused
Claims for bodily injuries or property damage because of a treatment or procedure you delivered
Limits Of Professional Liability Insurance for Cosmetologists
| Value | |
|---|---|
| Professional liability insurance per occurrence limit | $2 million |
| Professional liability insurance aggregate limit | $3 million |
| Deductible | $500-$1,000 |
You need $1 million-$2 million professional liability insurance for cosmetologist. While not a licensing requirement, get professional liability insurance, as most spas or salons will look for this before hiring you as an independent contractor.
Also called malpractice insurance, professional liability insurance kicks in if you commit errors and oversights while tending to a client’s hair, giving facial and exfoliation treatments, etc. Use this insurance when:
A client sues for $180,000 because your services caused hair loss and scalp burns
You used the wrong exfoliator. The client sustained rashes and burns on her face
The client files a claim after a waxing treatment left ugly marks on her skin
Your cosmetology service allegedly caused bacterial infection due to poorly maintained beauty equipment
You failed to assess bodily conditions, and the client experienced significant pain and suffering during a wrinkle removal procedure
Every time you face a claim for negligence, oversights, malpractice, violation of good faith, violation of fair dealing, inaccurate advice, and breach of confidentiality, professional liability insurance will take care of these costs:
Settlements
Defense costs
Court judgments
Your professional liability insurance can take care of other things. For one, the policy can cover business interruption or income loss because you have to take part in an investigation or attend court.
Professional liability insurance might even cover the cost of proceedings for the cancellation of a license. This is the reason why massage salons, hairdressing salons, nail salons, makeup salons, skin care clinics, microblading clinics, and other beauty businesses get this policy.
Get all the best quotes from leading providers in a click of a button!
Limits Of Commercial Property Insurance for Cosmetologists
| Value | |
|---|---|
| Building coverage limit | $15,000-$300,000 |
| Contents coverage limit | $10,000-$150,000 |
| Credit card loss or damage coverage limit | $2,000 |
| Money and securities coverage limit | $5,000 |
| Coverage limit for valuable papers and records | $2,500 |
| Accounts receivable coverage limit | $25,000-$250,000 |
| Employee dishonesty (with ERISA) coverage limit | $10,000-$100,000 |
Commercial property insurance is useful if you own a cosmetology clinic or renting one. This is not very useful if you’re just renting a booth. But note that the landlord might require you to get commercial property insurance and name him or her as an additional insured.
Commercial property insurance reimburses your financial losses if your cosmetology clinic or booth gets damaged or destroyed. Coverage only applies if damaged or destruction is caused by:
Fire
Theft
Vandalism
Civil commotion
Riot
Malicious mischief
Sinkhole collapse
Volcanic action
Impact
Aircraft
Vehicle
Rain
Winds
Snow
Hail
Lightning
Sprinkler leakage
Smoke
Commercial property insurance for cosmetologists doesn’t only cover the building or booth but also your personal property. And so, this insurance can recover your losses if beauty equipment, chairs, tables, tablets, cash, credit cards, key and locks, and other valuables get damaged or lost.
Remember this; Without any endorsements, commercial property insurance doesn't cover the loss or damage of business property due to mudslides, landslides, floods, earthquakes, and wars. Also, this policy excludes business personal property in transit.
Your commercial property insurance might come with business interruption insurance. This policy applies if you can’t provide services and generate income because:
Your building or booth needs to be repaired after getting damaged by fire, hail, wind, lightning, vandalism, or theft
You have to relocate
An economic crisis occurs, and you have to stop operations
Business interruption insurance supplements your lost revenues for 30-360 days. You can use the money to cover these costs:
Bills for electricity, water, and utility services
Employee wages
Loans
Taxes
Mortgage
Equipment rental and other costs to relocate
Rent or lease payments
Beauty equipment is essential in your work as a cosmetologist. It’s impossible to provide quality service without chairs, hair trimmers, facial machines, electric massage devices, hair dryers, and other tools.
Get $2,500-$10,000 equipment breakdown insurance to avoid losing money and mitigate losses if such beauty equipment breaks down. Equipment breakdown insurance for cosmetologists covers repair or replacement costs if the tools you use get damaged or lost due to:
Operator error
Impact
Electrical shorts
Electrical surge
Mechanical breakdown
Mysterious disappearance
Important note: Equipment breakdown insurance doesn’t cover normal wear and tear.
Limits Of Commercial Auto Insurance for Cosmetologists
| Value | |
|---|---|
| Auto liability coverage limit | $25,000 per person $50,000 per accident $25,000 per property damage |
| Uninsured motorist coverage limit | $25,000 per person $50,000 per accident |
| Underinsured motorist coverage limit | $25,000 per person $50,000 per accident |
| Medical payments coverage limit | $5,000 |
| Rental reimbursement coverage limit | $30 per day $1,800 max |
Commercial auto insurance isn’t a very popular protection among cosmetologists who own a clinic, rent a booth, or work for a beauty establishment. But consider this if you’re a mobile cosmetologist.
Purchase commercial auto insurance as a countermeasure if something happens while you’re driving the vehicle for commercial purposes. This insurance functions to:
Cover the medical treatment and property damage of victims if you cause a vehicular accident
Mitigate the cost of repair or maintenance if the car you use as a mobile cosmetologist sustains damage due to fire, theft, vandalism, collisions, and other covered perils
Reimburse vehicle rental or public transportation fees while your commercial vehicle is being repaired
Cover your medical treatment if the driver who caused the accident can’t grant indemnification
By default, commercial property insurance doesn’t cover trailers and other equipment attached to your commercial vehicle. Solve this by adding a trailer and equipment floater to your commercial auto insurance.
Purchase worker's compensation insurance if your cosmetology clinic has one or more part-time and full-time employees. Failure to get this will result in a fine, imprisonment, or a cease and desist order.
If you’re just renting a booth and working solo, you don’t need workers' compensation insurance. But we suggest you reconsider. Having workers comp is handy, especially if you don’t have health insurance.
Workers' compensation insurance kicks in when you or an employee sustains rashes, cuts, burns, infections, bloodborne diseases, and other inflictions because of work. This insurance will cover:
First aid treatment, private EMT services, surgeries, therapies, and other medical costs
Hospital bills for food, laboratory, nursing, imaging, observation, and others
Prescription medicines
After-hospital visits and public transportation expenses
Rehabilitation and retraining
Lost wages
Funeral costs
Allowance to dependents
Workers' compensation insurance doesn’t automatically cover independent contractors, volunteers, or interns working for you. Coverage only applies if you name these entities as additional insureds for free or at a cost.
Also read:
| Cost per Month | Cost per Year | |
|---|---|---|
| General liability insurance | $33 | $396 |
| Professional liability insurance | $55 | $660 |
| Commercial property insurance | $45 | $540 |
| Workers compensation insurance | $73.83 | $885.96 |
| Business owner’s policy | $52 | $624 |
| Commercial auto insurance | $80.62 | $967.44 |
General liability insurance for cosmetologists costs $33 per month or $396 per year for a $1 million coverage. This cosmetology insurance cost estimate assumes that you have 5 employees and generate $500,000-$750,000 per year. Get cheap cosmetology insurance by:
Keeping your certificates and portfolios up to date
Joining cosmetology organizations recognized by state licensing boards
Paying higher deductibles
Bundling two or more insurance policies
Insurance companies charge differently. Here’s a table showing the rates of the recommended carriers that allow you to get a cosmetology insurance quote online:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $17 | $204 | Best overall; Fastest general liability insurance for cosmetologists |
| CoverWallet | $20 | $240 | Cosmetology insurance quotes comparison online |
| Tivly | $22 | $264 | Comparing cosmetology insurance quotes over the phone |
| Thimble | $24.13 | $289.56 | On-demand cosmetology insurance policies |
| Hiscox | $26 | $312 | Larger cosmetology businesses |
| NACAMS | $27.66 | $331.92 | New cosmetology businesses |
| Beauty And Bodywork | $28.33 | $339.96 | $3 million general liability and professional liability insurance with no deductibles |
| Geico | $30 | $360 | Beauty businesses that provide a broader spectrum of services other than cosmetology |
Get all the best quotes from leading providers in a click of a button!
Before you decide to go out and get a cosmetology insurance quote, you’ll have to know a thing or two about the companies that you can expect to work with. We’re going to examine the top companies allegedly offering the best cosmetology insurance. Read our reviews to know their pros, cons, and rate for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for cosmetologists
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more cosmetology insurance policies and get a 10% discount
Couldn't find any
Next's cosmetology insurance has general liability, professional liability, commercial auto, and commercial property insurance as inclusions. Once you purchase your coverage, you can get a live certificate of insurance and add additional insureds yourself anytime. By the way, we suggest you buy two or more business insurance from Next to enjoy a 10% discount on premiums.
Best for: Best overall; Fastest general liability insurance for cosmetologists
Average cost: $17 per month
Our rating: 10/10
Stable rates
Online quotes
Get insured online
Cancel a policy anytime
Compare cosmetology insurance quotes online
CoverWallet doesn’t underwrite its business insurance for cosmetologists
Coverwallet’s cosmetology insurance provides you with four insurance options-general liability only, general liability and commercial property insurance, a BOP with professional liability insurance, and a custom plan.
This insurance company has an online quotes comparison platform you can use to find other companies selling tailored coverage for cosmetologists. Cosmetologist insurance quotes you’ll receive show the accurate offers and rates of different carriers.
Choose to work with CoverWallet because this insurance company insures you online. You can also pay premiums through different digital channels. Moreover, you can choose to add landlords and clients as additional insureds to your policy.
Best for: Cosmetology insurance quotes comparison online
Average cost: $20 per month
Our rating: 10/10
Responsive customer service
Compare cosmetology insurance quotes over the phone
A partner of reputable insurance companies
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) offers general liability insurance, commercial property insurance, workers compensation insurance, and more. A representative will help create a customized insurance plan for your business.
Call Tivly now and compare cosmetology insurance quotes over the phone.
Best for: Comparing cosmetology insurance quotes over the phone
Average cost: $22 per month
Our rating: 10/10
You can include add-ons for a more comprehensive protection
Student rate and professional rate
$3 million aggregate for liability coverage
Add-ons are too costly
Beauty And Bodywork is a risk purchasing group that requires membership before you can get your insurance coverage through them. The parent company of Beauty And Bodywork is Veracity Insurance Solutions, which works with the Great American Insurance Company to give members great rates.
Beauty And Bodywork’s tailored coverage features general and professional liability insurance as well as products and completed operations insurance. It features a limit of $3 million per occurrence as well as $300,000 coverage for any damage to premises rented to you.
Best for: $3 million general liability and professional liability insurance with no deductibles
Average cost: $28.33 per month
Our rating: 10/10
Get insured online
Pause or cancel your coverage anytime
Customer service doesn’t have a phone number
Thimble’s cosmetology insurance is available as an annual or short-term policy. When availed as a short-term policy, you can choose to get covered for only hours, days, weeks, or months. Inclusions are general liability insurance and commercial property insurance only.
Best for: On-demand cosmetology insurance policies
Average cost: $24.13 per month
Our rating: 9/10
Different rates for pros and students
$1,000 in stolen equipment coverage
Not an actual carrier
Unlike the last company, NACAMS isn’t exactly an insurance carrier, but rather a risk purchasing group. This means that it’s an association of people who share similar risks and purchase insurance together for a preferential rate..
NACAMS offers different rates for students and for professionals, but all of their policies share the same kind of coverage. Every NACAMS cosmetology insurance policy comes with both professional and general liability insurance with a limit of $3 million aggregate and $2 million per occurrence.
Best for: New cosmetology businesses
Average cost: $27.66 per month for a two-year liability insurance
Our rating: 9/10
Worldwide coverage
Claims responsiveness
Monthly payments with no extra fees
Poor customer reviews
Hiscox is a British insurance company that has been in operation for over 100 years, acting as an underwriter for Lloyd’s of London. While this company started off in the marine insurance space, Hiscox has since transitioned to niche forms of insurance that other companies may not offer directly.
Hiscox offers malpractice and general liability coverage for professionals in the cosmetology space, and the best thing is that it provides worldwide coverage. As long as you file a claim in the US or Canada, you’ll be covered anywhere in the world with your Hiscox cosmetology insurance policy.
Best for: Larger cosmetology businesses
Average cost: $26 per month
Our rating: 8/10
Easy quote process
Good customer service
No tailored add-ons for cosmetologists
GEICO has existed since the 1930s when it was founded as the Government Employees Insurance Company, and it’s one of the largest auto insurance companies in the United States. Along with its auto insurance policies, Geico also offers business and property insurance to a wide range of clients.
Best for: Beauty businesses that provide a broader spectrum of services other than cosmetology
Average cost: $30 per month
Our rating: 8/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
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!
Not all those who wander are lost.
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