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Esthetician and beautician insurance
If you’re a professional esthetician or skincare professional, you know that the most unexpected things can happen at the worst times. Your employee could cut themselves on a blade. A client could sue you for a chemical peel gone wrong. A fire could destroy all the equipment inside your building. The moral of the story: If you don’t have a backup plan for emergencies (and a reliable esthetician liability insurance policy), you could get stuck with a headache, a lawsuit, and a big bill. Not great for a business that prides itself on wellness.
That’s why you need seriously great esthetician and beautician insurance. Purchase the best esthetician insurance program with Huckleberry, and you’ll know your business is safe and protected in the worst of circumstances.
Read more about cosmetologist insurance here.
Most common types of insurance coverage for estheticians and beauticians
Protects your workers if they ever get sick or injured on the job. Covers medical costs, lost income, and potential legal defense fees.
Includes general liability coverage, business interruption insurance, and business property coverage.
Protects your beauty business if a third party ever sues you for property damage or bodily injury.
Protects your building (if you own it) and the items inside in the event of property damage, vandalism, or theft.
If you’re ever forced to close temporarily for a covered reason, this coverage will help cover your ongoing costs.
How much does an esthetician insurance policy cost?
Your esthetician insurance cost will change based on where you’re located and how many people you employ—plus your deductibles and coverage limits, which are generally in your control. Insurance companies will generally offer the same protection, though, so the question becomes: Who can I trust will give me the most affordable coverage?
Beauty professionals have paid as little as $27 per month for their workers’ compensation and $42 per month for their Business Owner’s Policy (which, keep in mind, already includes a liability policy). That’s a pretty low price point for peace of mind.
Beautician and esthetician insurance coverage Q&A
No one policy will cover all of your risks, but just about every beauty business should have at least general liability coverage, business interruption insurance, and business property insurance. Don’t forget workers’ compensation if you have employees—it’s required in almost every state.
You’re in luck! It’s easy to get proof of insurance if you’re a Huckleberry customer. Just visit our Certificate of Insurance page to instantly generate unlimited copies—for free.
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