What Is Estheticians Liability Insurance

Aug 24, 2018 · 8 minutes to read

As a professional esthetician, you provide services to help your clients feel more beautiful and more relaxed than before they stepped foot in your spa.

But what happens if a service goes wrong?

There is nothing more horrifying than an accident happening right in front of your own eyes. Imagine a relaxing facial experience that you are providing to your client. Out of the blue, a facial steamer malfunctions and spits boiling water onto the client’s face. Oh, the horror!

The above example is an example of an actual claim that was filed with an insurance company. The customer’s face was burned and required plastic surgery. This customer sued the spa and the esthetician and was awarded a little over $32,000 according to ASCP’s website[1].

As hard as you try to avoid these situations, they will happen. Whether due to a human error, an equipment malfunction or an allergic reaction, the outcome is the same –an exhausting and expensive lawsuit.

So how can you protect yourself against such claims? And if it wasn’t enough how can you make sure that if you do find yourself in a sticky situation, you have ample guidance throughout the process from the minute the incident happens and until it is fully resolved?

In this blog post, we want to talk about professional liability insurance for estheticians.

Let’s take a look at the coverages that this insurance policy provides, claim examples and what to look out for when purchasing this essential policy. We’ll also discuss the policy’s potential cost (although of course, it can vary greatly) and the factors that affect it.

What is professional liability insurance?

As an esthetician, you see many customers a day. Unfortunately, not all of them are going to walk out of your spa as happy customers. Professional liability insurance, otherwise known as an errors & omissions policy, is designed to protect you in a case of a lawsuit. The policy will cover the court fees, the cost to hire an attorney and the cost to investigate the allegations against you. The policy also provides coverage for any settlements or judgments awarded against you.

It’s important to note that the policy will cover the cost of defending you whether or not you are found guilty. Even if you win the lawsuit, you still need to hire a lawyer and bear all the costs associated with proving and defending your case. As we all know, lawyers are not cheap. That expense alone can amount to thousands, if not hundreds of thousands of dollars.

The difference between General Liability and Professional Liability insurance

When you get a quote for a liability policy or discuss a liability policy with the spa owner (more on that below), it’s important to specify what kind of liability policy you are referring to.

There are two primary liability policies, applicable to you as an esthetician – general liability and professional liability. Many think that if you have a general liability policy, then you are covered for any professional errors as well. This could not be farther from the truth. In fact, your general liability policy will exclude any lawsuit stemming from professional advice or an action gone wrong.

A general liability policy insures you against negligence towards others resulting in bodily injury or property damage. An example of a general liability claim would be a customer tripping, falling and sustaining injuries from the fall while at the salon.

Recommended reading: General Liability vs Professional Liability insurance

Unlike a general liability, professional liability insurance specifically covers professional errors. Anything that you do as a licensed esthetician will potentially be covered.

Possible claim scenarios

Let’s take a look at the exposures you have as an esthetician and possible claim scenarios to illustrate the importance of a professional liability policy.

Your main exposures as a salon esthetician involve burns and allergic reactions. If you are a medical esthetician, you carry even more risk since you work with harsher chemicals and using laser treatments. As hard as you try to avoid making a mistake, sometimes they’ll happen and occasionally it won’t be your fault at all. Imagine that a client insists on finishing a treatment against your recommendations. This certainly puts you in a bad situation if something was to occur.

–    You apply a chemical peel treatment on client’s face. However, the client has sensitive skin and the peel results in chemical burns
–    You start a bikini wax treatment and stop the procedure because you see that the skin is too tender. The customer insists on finishing the treatment and gets a wax burn as a result.
–    Hair removal burns
–    A client’s skin does not respond well to the skin rejuvenation treatment
–    A vascular/leg vein treatment does not go as planned
–    A client sues you after burns following a procedure involving laser

It’s important to note that if you provide micro-pigmentation or permanent makeup services, finding coverage might be a challenge as these are considered very risky.

Does the spa owner’s policy cover individual estheticians?

If you work for a spa, you might be asking – do I need my own policy? Wouldn’t the spa owner’s policy cover me?

As many answers in the insurance field go, the answer is “it depends.”

Here are a few issues to be aware of when considering not purchasing your own insurance, and instead trusting your employer to cover you:

  • Treatments performed outside of the spa – Your employer’s professional liability insurance policy will only cover the work of estheticians when they work on behalf of the spa. Any work that you do on the side will be specifically excluded. Consider if you have ever performed treatments for clients at their home or your home, separately from your work at the salon.  If this is the case, you definitely need a separate policy to protect yourself.
  • Individual coverage – What do we mean by that? Depending on the policy’s language, often the “named insured” or the entity that is covered under the policy is only the business. That means that if you are co-named in a lawsuit as a defendant along with the spa that policy might not cover you. You will need to cover the cost of the lawyer, court fees and pay your share in any settlements. This can get expensive very quickly. It’s important to double check with your employer who exactly the insurance covers and if there are doubts, a separate policy might be in order.
  • The scope of coverage – Is every treatment that you provide covered by the policy? It often happens that insurance is taken out by the owner, but as the business grows and more services are added, the insurance is not updated. Understanding what treatments the business’s professional policy covers can be the difference between a covered or uncovered claim.

As you can see, even though the idea of an employer’s policy covering you seems like a no-brainer at first glance, it is often not your best option.

Discussing the matter of insurance with the spa owner is crucial to understand the protection their insurance policy can provide for you.

When in doubt, consult with an experienced insurance agent to determine if you need a standalone coverage and what limits would suit your situation best. Explore the different insurance options that are available for professional estheticians like yourself, with a wide range of coverages here.

How much does esthetician professional liability insurance cost?

The cost of a professional liability policy depends on many factors. Your experience as an esthetician and location play a role but the most significant factors are the treatments that you provide and whether or not you are a salon or a medical esthetician.

As mentioned earlier, medical estheticians carry a much higher risk.

The cost for a salon esthetician starts from about $400 a year, but of course can be higher depending on the factors outlined above. It will also make a difference if you are purchasing the coverage just for yourself or need to cover additional estheticians under your policy (I.e., if you are the spa owner yourself).

The policy cost will also depend on the limits you choose. The policy will cover you up to those limits. The standard coverage begins at $1M, but higher limits can be purchased.


Perhaps more than any other industry, the estheticians are susceptible to injuries happening to their customers and lawsuits as a result. While your spa may or may not cover you under their policy, purchasing your own professional liability insurance is critical to cover all your bases in case a lawsuit happens.

We hope the blog post has answered your questions on what is professional liability insurance for estheticians and why you need it.

Professional Liability insurance is an essential tool in your preparedness toolbox. Bizinsure can provide you with instant quotes as well as human support on the other side of the screen (or the phone!). Click here to complete a short online form to receive your quotes instantly.

[1]Associated Skin Care Professionals. (2018). Liability Insurance for Estheticians—ASCP Esthetician Insurance. [online] Available at: https://www.ascpskincare.com/liability-insurance-estheticians [Accessed 21 Aug. 2018].

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17

Popular Searches

Google Rating
Based on 82 reviews