Insurance for Estheticians

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Esthetician insurance protects professionals in the beauty industry against the risks associated with providing esthetician services, for example malpractice or third-party bodily injury.

Professional Esthetician Apply Face Mask to the client's face in spa beauty center

What is Esthetician Insurance?

Esthetician insurance protects professionals in the beauty industry against the risks associated with providing esthetician services, for example malpractice or third-party bodily injury. No matter how careful and diligence you and your team are, mistakes can happen and these can be costly and highly disruptive to your business. We highly recommend every beauty professional understand the insurance products available to them, and protect their business with the right insurance policies.

Young woman getting facial care by beautician at spa salon Acne Treatment, face peeling mask

What does esthetician insurance cover?

Typically an esthetician business requires 3 common insurance policies:

  1. Professional liability insurance: Professional liability insurance protects beauty professionals against claims relating to their professional beauty activities, where the third party alleges misconduct, negligence or failure to deliver a service as was promised. For example, if a member of your team was providing an eyebrow wax to a client, and accidentally burned the clients face, the customer may sue your business because they incurred bodily injuries. In this case, professional liability insurance would cover the legal costs and claims costs from this incident.
  2. Product liability insurance: Product liability insurance protects beauty professionals against lawsuits or liability claims that involve products the professional sold or used. For example, using the eyebrow wax example. If it was found that the wax used on the customer was not up to standards and caused the burn, product liability insurance would cover the costs related to the incident.
  3. Commercial general liability insurance (also shortened to CGL): Commercial general liability insurance protects against common third-party liability claims, the most common typically being property damage and bodily injuries. For example, if a client were to slip and fall at your premises (something that unfortunately happens, even in the tidiest spas and salons) they might sue your business for injuries incurred on your premises. CGL insurance would cover the costs associated with legal support (hiring lawyers) and fine and penalties that might result from a lawsuit.

Which beauty professionals should get it?

We highly recommend all estheticians and all individuals running either a spa, salon or beauty clinic should understand the insurance options available to them, and purchase coverage that best mitigates the risks involved in their unique business. Generally esthetician insurance is held by beauty professionals across a number of specialties, including but not limited to:

  • Hair stylists
  • Laser hair removal technicians
  • Nail technicians
  • Wax/hair removal specialists
  • Permanent cosmeticians
  • Electrologists
  • Skin care specialists

How much will this insurance cost?

Similar to other business and personal insurance plans, the cost of your insurance coverage will depend on a number of factors that are unique to your business and the professional services you provide. A few of the key considerations are:

  • Types of services provided by yourself or your business
  • The number of employees your business has
  • Training and experience (both yourself and your employees)
  • Past annual revenues and projected future revenues
  • Your business’ history of past insurance claims

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Esthetician Insurance FAQ

As in any business, there are a multitude of things that can (and unfortunately do!) go wrong in the beauty industry. Here are a few common claims that esthetician’s coverage would protect you against:

  • Your salon was broken into and the thief stole computers, product and cash
  • A customer experienced burns due to waxing or other hair removal methods and is now suing your business
  • Your sink leaked and caused water damaged in the spa, which needs to be repaired by a contractor
  • A fire occurred at your salon, causing damage, which needs to be repaired
  • A customer has an adverse or allergic reaction (rash or inflation) to products used on their skin, and is now suing your business for damage

The simple and blunt answer is yes. As a beauty professional you are running a business, which involves risk. Insurance will cover you against the same risks many businesses face (theft, fire or water damage) and will also cover you against the specific risks involved in the beauty industry, namely customer injuries or malpractice.

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