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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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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