Esthetician Insurance
Easy, affordable General Liability from $40 p/month
Covers allergic reaction, skin damage or scarring claims
Protect your equipment, facial bed, steamer, skin scrubber
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What does esthetician insurance cover?
Esthetician insurance helps protect your business from the financial impact of claims arising from your treatments, services, and day-to-day operations.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party bodily injury
- Property damage
- Malpractice or negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do estheticians need insurance?
Even with proper esthetician training, allergic reactions, treatment-related claims, accidents, or damage to business property can happen. Insurance can help protect your esthetician business from the financial impact of these unexpected events.
| Risk scenarios | Coverage benefits |
|---|---|
| Client injury A client slips on a wet floor while walking into your treatment room and suffers an injury. | General Liability Insurance can help cover legal costs and compensation if your business is held responsible for a third-party injury. |
| Treatment-related claim A client claims that a facial treatment or chemical peel caused skin irritation, burns, or scarring and alleges negligence. | Professional Liability Insurance can help cover legal defense costs, settlements, or damages arising from claims of negligence, errors, or omissions in the professional services you provide. |
| Cyber breach Cybercriminals gain access to your client database and steal personally identifiable information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain breach response expenses, subject to the policy terms. |
| Employee injury An employee strains their back while moving a facial bed or lifting heavy equipment in your salon. | Workers’ Compensation Insurance can help cover medical expenses, lost wages, and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Damaged salon equipment A burst pipe damages your facial bed, magnifying lamp, steamer, and other equipment, preventing you from seeing clients. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace damaged business property following a covered event, helping your business recover sooner. |
What types of insurance do home care providers need?
izInsure offers a combined Professional Liability and General Liability package covering treatments like plus client injury or property damage claims.
Professional Liability insurance
Professional Liability insurance, often called malpractice insurance for estheticians, protects against claims relating to your treatments and services — including negligence, allergic reactions, skin damage, or improper technique — even if you haven’t made a mistake.
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How much does Esthetician insurance cost?
Professional liability insurance cost for esthetician starts at $41.26 per month.*
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to estheticians with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to estheticians with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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