Esthetician Insurance
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Insurance created to protect your Esthetician business
BizInsure lets you get quotes and buy insurance online in minutes to protect your business from accidents, injuries, legal fees as well as your business property. The following coverages are typically available:
- General liability
- Professional liability (E&O)
- Workers compensation
- Business Owner’s Policy (BOP)
Get the Cover that Suits Your Esthetician Business
Being well protected does not mean paying more. With BizInsure you can choose the cover that suits your business and you can pay for your insurance monthly or annually to help your budget.
- Professional Liability
- Per occurrence $1,000,000
- General Liability
- Per occurrence $1,000,000
- Workers Compensation
- Per accident $500,000
- Commercial Property
- Per occurrence $25,000
- Professional Liability
- Per occurrence $2,000,000
- General Liability
- Per occurrence $3,000,000
- Workers Compensation
- Per accident $1,000,000
- Commercial Property
- Per occurrence $25,000
General Liability insurance
General Liability is the most common and essential type of business insurance. This insurance can protect your Esthetician business against claims of bodily injury or property damage lawsuits from third parties.
General Liability Insurance can cover:
- Accidents related to bodily injury or property damage caused to a third party
- Accidents that occur at your premises
- Medical expenses if someone is injured at your premises
Professional liability insurance
A Professional Liability insurance policy is critical for those who are in the business of providing advice and instruction to others. A Professional Liability policy helps protect you as an Esthetician against damages related to your services, actions or recommendations.
The policy can cover employees and independent contractors from allegations of negligence, failure to perform, inaccuracy, bad advice and other common risks associated with the services they provide.
Coverage is provided for:
- Attorney fees and other legal expenses
- Costs and expenses related to a settlement
- Costs and expenses related to a judgment
Workers’ Compensation
If you have employees, this cover protects your business against medical expenses and lawsuits resulting from employee workplace injuries and serious illnesses.
Workers’ Compensation insurance typically also pays:
- Lost wages as a result of the employee’s work injuries.
- Medical expenses resulting from employee workplace injuries.
Business Owner’s Policy
This is a package, that can include General Liability cover as well as important coverage to protect your business property, this can include your facial bed, your magnification lamp right through to your steamer and ultrasonic skin scrubber.
BOP Cover
- General Liability insurance and business personal property coverage into one convenient policy.
How much does Esthetician insurance cost?
Insurance for your business will vary depending on:
- Your operations
- Your location
- Size of business
- Amount of coverage needed
- Claims history
BizInsure makes shopping for insurance simple. Just go online, plug in a bit of information and let us do all the work for you.
When is Insurance required for Estheticians?
As an Esthetician you help keep your client’s skin healthy and clear which is incredibly rewarding but it also comes with great responsibility. Insurance covers you:
- If your client believes you have provided poor treatments that result in allergic reactions, skin damage or scars.
- If you open your own spa or salon and have customers or members of the public visiting your premises and they have an accident.
- If your equipment is damaged or stolen, you will need new tools of trade to keep on operating.
- If you employ staff. Workers Compensation is generally mandated in most states.
