Esthetician Insurance: Coverage, Liability, Cost & Quotes From $5

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More and more businesses are catching on to how smart it is to have a minimum level of business insurance to make sure that a single event doesn’t result in absolute disaster. Cosmetology, spa, makeup art, tanning salons, nail salons, and beauty therapy are all growing fields, and estheticians aren't that far behind.

In this guide, we’re going to take a look at the most popular and best esthetician insurance companies in the field as well as the average cost of coverage. We’ll also look at the various kinds of esthetician business insurance. Let's get down to business!

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Esthetician Liability Insurance

As an esthetician, you want to make sure you’re covered against different types of third-party claims. This is best done by purchasing esthetician liability insurance. Aside from protection, liability insurance gives you a competitive edge against other similar professionals.  Many clients will look to work only with an esthetician covered by insurance, so they are sure to get coverage for whatever may happen upon hiring your services.

Liability insurance comes in different types. Each type perfectly suits the needs of a particular business. And for estheticians, the most useful ones are professional liability insurance, general liability insurance, and public liability insurance. 

Professional Liability Insurance for Estheticians 

Otherwise called esthetician malpractice insurance, this esthetician insurance coverage will cover losses if you caused economic or financial loss to a client by committing the following:

  • Negligence

  • Inaccurate advice

  • Violation of good faith

  • Violation of fair dealing

  • Violation of confidentiality

Professional liability insurance for estheticians will cover attorney fees, court payment orders, administrative costs, and other legal expenses. In practice, you’ll find this useful when a client incurs economic or financial loss because of your lack of training, leaving the room while a facial procedure is undergoing, and more. 

Many estheticians, especially those working for salons, stop with professional liability insurance. But as we emphasized earlier,  it’s not the only form of liability insurance available. Having public liability insurance for estheticians is also smart.

Esthetician Public Liability Insurance 

Public liability insurance for estheticians will protect you when a vendor, client, or any other third party sues your business for property damage and personal injuries.  


Third-Party Personal Injuries
Vendors, customers, and other third parties will sustain injuries after experiencing a slip and fall or any other accident while in the premises of the esthetician's salon. Public liability insurance provides money for medical expenses if injured persons decide to hold your business liable for their pain and suffering

Third Party-Property Damage
If not injuries, then third parties might have their property damaged after experiencing an accident within the premises of the salon - broken phone, torn bag or clothing etc. It’s also the job of public liability insurance to reimburse the value of the damaged property if ever aggrieved third parties file a claim 

Legal Defense
Claims against your business are often decided in court. This will require money and public liability insurance provides coverage for attorney fees, administrative costs, and other legal expenses 

General Liability Insurance for Estheticians 

A broader alternative to public liability coverage is general liability insurance for estheticians. This kind of skin care professional insurance also caters to the personal injury claims and property damage claims third parties filed. However, general liability insurance protects you against a broader variety of claims because it has additional inclusions such as advertising injury coverage, products and completed operations coverage, and rented premises liability coverage. 


Advertising Injury Coverage
Another esthetician might accuse you of copying a trademark, logo, or slogan. Clients might also accuse you of harming their reputation. In such events, advertising injury coverage will provide a helping hand. It will cover legal expenses if a claim is filed for slander, libel, copyright infringement, and other types of advertising or reputational harm 

Products and completed operations coverage
Some cosmetic products have harmful side effects that take time to manifest. If ever you use such products and a client comes back days or weeks later to file a personal injury claim against you, products and completed operations coverage will provide the protection you need. Note that this also covers property damage claims past clients file

Rented premises liability coverage
Having your own esthetician's salon requires a lot of money. And if you’re renting or leasing a space for the moment, then rented premises liability coverage will help. This add-on to general liability insurance will reimburse the landlord if his or her commercial space becomes damaged by fire because of your fault 

Aesthetician Insurance

There is no major distinction between esthetician insurance and aesthetician insurance. In most cases, companies offer both of these policies under the same umbrella, typically offering various forms of coverage.

Aesthetician Liability Insurance

Aestheticians have access to the most common forms of liability insurance, including public liability insurance, general liability insurance, and professional liability insurance. General liability coverage tends to be a little more expensive, yet still quite affordable, whereas public liability coverage is on the cheaper side.

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More Skin Care Business Insurance for Aestheticians and Estheticians 

Commercial Property Insurance

Carriers offer commercial property insurance for aestheticians and estheticians. Its primary function is to cover the following perils:

  • Building Destruction - Commercial property insurance will provide reimbursements based on the actual cash value or replacement cost of your salon that fire and extreme weather destroyed. Note that destruction caused by earthquakes and floods is excluded

  • Building Damage - Fire, theft, vandalism, extreme weather and other covered perils will damage your salon. It will surely need repair and commercial property insurance will take care of this by reimbursing losses based on the actual cash value or replacement cost of damaged structures such as doors, windows, signages, roofing, etc. 

Commercial property insurance for aestheticians and estheticians comes with inclusions that extend protection to the items within the premises of your salon. Such inclusions are as follows:

  • Stocks and Contents Coverage - This inclusion in commercial property insurance will reimburse your losses if cosmetic products, lighting, salon furniture, and interior decorations become lost or damaged due to fire, theft, vandalism, and other covered perils 

  • Business Equipment and Tools Coverage - Business equipment and tools coverage is inclusion in commercial property insurance that will cover cost if items such as facial machines, beauty beds, trolleys, and massage beds become lost or damaged due to fire, theft, vandalism, and other covered perils 

Workers Compensation Insurance 

Workers' compensation insurance is a requirement if you’re working with one or more employees. Even if there are no employees, you might need to get this insurance for yourself depending on where you’re doing business as an aesthetician or esthetician. With worker's compensation insurance, you can pay for the following:

  • Medical treatment/procedure - It’s common for estheticians and aestheticians to experience cuts, burns, repetitive motion injuries, and skin infections. Continuous exposure to beauty products might also result in long-term illnesses. If you or an employee become injured or sick, workers' compensation insurance will cover the expenses for any medical treatment/procedure

  • Hospitalization - If you or an employee suffers from an injury or illness that requires an intensive stay at a hospital, workers' compensation insurance will cover hospital bills. Coverage applies regardless of how long you need to stay and which medical facility you or an employee is admitted

  • Medication - Of course, medication will be required if you or an employee becomes injured or sick because of work. And no matter what medicines you need and how costly they might be, workers’ compensation insurance will cover expenses 

  • Rehabilitation - You or an employee need to pay for rehab if an injury or illness results in the impairment of specific bodily functions. In connection, workers' compensation insurance will pay for therapist fees and other rehabilitative expenses 

  • Lost income compensation - Workers' compensation insurance will compensate lost income if you or an employee can’t work for days, weeks, months, or years after sustaining a work-related injury or sickness. Lost income compensation comes in the form of a weekly allowance equal to two thirds or 67% of the average weekly wage

  • Death benefits - Workers' compensation insurance provides death benefits to dependents if you or an employee dies due to a work-related injury or disease.  Death benefits primarily are offered as payments for funeral expenses and financial aid to the spouse, children, and other dependents 

Business Interruption Insurance

Unforeseen events might force you to halt business operations. This will result in lost income and eventually financial losses. Business interruption insurance can help. It provides money so that you can still pay for mortgages, loans, leases, payroll, and other operational costs. Business interruption insurance supplements lost income for one month but this can be extended to 360 days with an endorsement. 

Employer’s Liability Insurance

An employee might file a claim against you.  This exposure is what employer’s liability insurance covers. Employer’s liability insurance will pay for attorney fees, court payment orders, administrative costs, and other legal expenses when an employee sues you for wrongful termination, workplace discrimination, and negligence.


Employee Dishonesty Insurance 

Employee dishonesty insurance will protect you from losses when an employee commits a crime. Specifically, this provides coverage for the following crimes you report to the insurance company:

  • Fraud 

  • Social engineering

  • Destruction of money and other securities

  • Unauthorized use of funds

  • Unauthorized transfer of funds

  • Fraudulent refunds

Commercial Auto Insurance

Commercial auto insurance is useful if you’re a mobile skincare professional. This insurance is a protection for the vehicle you’re using to haul products and equipment. Inclusions in commercial auto insurance are:

  • Auto Liability Coverage - Commercial auto insurance has auto liability coverage that will cover costs if you caused a vehicular accident and injured third parties or destroyed property. Auto liability coverage will pay for medical expenses or reimburse the value of the damaged property if aggrieved third parties decide to file a claim 

  • Physical Damage Coverage - Physical damage coverage is an inclusion in commercial auto insurance having two types - collision and comprehensive. Collision physical damage coverage functions to cover parts repair or replacement if your mobile skincare vehicle becomes damaged after colliding with an object or another vehicle. Comprehensive physical damage coverage, on the other hand, will cover costs if the damage is sustained due to fire, theft, vandalism, and other covered perils 

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Esthetician Insurance Cost

The average esthetician insurance cost for a $1 million general liability coverage is about $57 per month or $684 per year.

That said, esthetician insurance cost is dependent on multiple key factors that are unique to each individual and each business. For example, larger esthetician businesses will pay more for their business because that will increase the chances of them needing to make a claim.  On the other hand, independent workers can expect to pay less for their insurance for skincare business because they see fewer clients over the course of a year. 

Here’s a quick breakdown of how much does esthetician liability insurance cost per month and per year based on the provider that you’re working:

CompanyCost per monthCost per yearBest for
CoverWallet $55$660Esthetician insurance quotes comparison online
NEXT$57$684Esthetician insurance available in all 50 states
Hands on Trade Insurance$61$732General liability insurance for estheticians and aestheticians
Elite Beauty Society $65$780Two-year esthetician insurance
ASCP $71$852Esthetician insurance with generous limits

How to Find Esthetician Insurance in California?

The first step to finding esthetician insurance in California is figuring out which company you want to work with. The companies we reviewed below all provide coverage at reasonable rates to most states. To get the cheapest esthetician insurance rates in CA, be sure to read the next section to understand how!

Getting Cheap Esthetician Insurance

If you need affordable business insurance for estheticians and homemade skin care products, then you’ll be smart to compare quotes online from the best esthetician insurance companies. And it's very easy to do! Simply click the 'Get Quotes' button down below, complete the process and we’ll break down the best policies from the best insurers for the cheapest prices!

Compare Esthetician Insurance Quotes

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

Best Esthetician Insurance Companies

The best skin care business insurance is only as good as the company backing it up, so it’s a good idea to be well-acquainted with the carriers that you might find yourself working with. We’re going to look at the best skincare business insurance companies - pros, cons, and pricing for a $1 million general liability insurance. 

CoverWallet Esthetician Insurance


  • Compare esthetician insurance quotes online

  • Cancel a policy anytime

  • Stable rates 


  • You need to talk to an agent for a custom insurance plan 

CoverWallet is an insurance broker that’s a sister company of AON. This company sells tailored esthetician insurance consisting of policies offered by its partners. You have four insurance options to choose from - general liability only, general liability and professional liability insurance, bundled general liability and professional liability insurance with workers comp, and a custom plan. 

There are many perks to buying insurance from CoverWallet. First off, the company allows you to use its online quotes comparison in case you want to see the offers and pricing of other companies offering tailored coverage for estheticians. Secondly, you can get insured without talking to an agent. Third, the insurance broker allows you to cancel a policy anytime for free. 

Best for: Esthetician insurance quotes comparison online

Average cost: $55

Our rating: 10/10

NEXT Esthetician Insurance 


  • Attentive insurance agents

  • Responsive customer service

  • Get insured online fast


  • Some customers report that NEXT increased their rates without prior notice 

NEXT is an insurance company that caters to the needs of small businesses and independent professionals. Its tailored insurance for estheticians is available in all 50 states of the US. NEXT is known for its rapid growth. At the moment, NEXT has an A-excellent rating from AM best and is accredited by Better Business Bureau. 

So what are the inclusions in this company’s esthetician insurance? Types of business insurance available are general liability insurance, commercial auto insurance, workers’ compensation insurance, and commercial property insurance. 

NEXT works best if you're an independent esthetician because it offers a live certificate of insurance you can easily send to clients, salons, and other related parties to land gigs and make money. 

Best for: Esthetician insurance available in all 50 states 

Average cost: $57

Our rating: 9/10

Hands On Trade Insurance for Esthetician


  • Coverage applies anywhere

  • Extra resources


  • Not a carrier itself

The Hands On Trade Association is a lot more than a risk purchasing group, and it has been in continuous operation since 2000. Along with providing its members with insurance coverage, the Hands On Trade Association also maintains a code of ethics for all of its members.

The Hands On insurance for esthetician policy features both professional and general liability coverage that comes with you wherever you’re working, ensuring that you don't need multiple policies. Like many other beauty insurance policies, this one also covers multiple professions, saving you money in the long run.

Best for: General liability insurance for estheticians and aestheticians 

Average cost: $61

Our rating: 8/10

Elite Esthetician Insurance


  • Its two-year policy is affordable

  • Also offers student policies

  • Reasonable coverage limits


  • Only $1,000 of stolen or damaged equipment protection

The Elite Beauty Society was started in 2015, and it was originally named Beauty Insurance Plus. This group was founded to protect the interests of cosmetologists and to ensure that they can access the insurance coverage that they need. They work with a wide range of beauty professionals and tend to their insurance needs.

The Elite Beauty Society’s policy is available in both one-year and two-year subscriptions, with the latter being a little more affordable. This policy comes with a $3 million individual annual aggregate limit, $2 million in general and professional liability coverage, and $2 million in product liability coverage.

Best for: Two-year esthetician insurance

Average cost: $65

Our rating: 7/10

ASCP Esthetician Insurance


  • High coverage limit

  • Marketing resources


  • Pricier than alternatives

ASCP stands for Associated Skin Care Professionals, and this is a risk purchasing group for professionals working in the field. RPGs tend to have flat membership fees and the same level of coverage for all of their members, though they may still have specific add-ons for each policy.

ASCP’s policy comes with professional liability insurance with a coverage limit of $6 million as well as a wide range of benefits that are exclusive to its members. For example, your esthetician insurance ASCP policy comes with over 100 webinars, a free website, as well as more than 50 discounts.

Best for: Esthetician insurance with generous limits 

Average cost: $71

Our rating: 6/10

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