Esthetician insurance

Professional liability insurance for estheticians

When you make a mistake in the skincare business, you’ll have more than a red-faced customer to deal with. And a negligence claim’s no minor irritation. It’s a major flare-up that can put your bank balance in the red and permanently scar your reputation.

Estheticians’ insurance acts as a protective barrier. If a customer claims you did something wrong, it takes care of your legal costs and damages. Leaving your reputation glowing and your business healthy.

• Who needs esthetician insurance?

  Even skincare experts like you don’t get it right all the time. And while you encourage customers to speak up if something feels off during a treatment, the ugly truth is, a licensed esthetician can be sued even when they’ve done nothing wrong.

  Insurance for estheticians is designed to cover the specific risks you face as a skin care professional. Whether you run a salon, a mobile service, or freelance in a spa. It doesn’t just cover claims made by unhappy customers, either. Esthetics insurance protects you if a client sues you for losing their personal data, too.

  But if esthetics is just one of the services you offer, we can get coverage for other health and beauty professions, including:

  • Beauticians
  • Barbers
  • Cosmetologists
  • Estheticians
  • Hairdressers
  • Nail technicians
  • Small salon owners
  • And more.

• What does estheticians’ insurance cover?

  Professional liability insurance for estheticians protects you from the cost of claims made for:

  • Negligence – you wax a customer’s eyebrows and her skin gets so badly irritated she has to cancel a modelling job and seek medical treatment. She sues to cover the loss of earnings and medical bills. Your esthetics insurance policy can pay legal fees and damages.
  • Loss of personal data – you misplace a file containing sensitive client data. It was accidental, but your client sues you for releasing their personally identifiable information. Your esthetics policy can cover the costs of the claim and hire an attorney to defend you if necessary.
  • Claims made worldwide – as long as the claim is filed in the U.S., a U.S. territory or Canada.

• How much does esthetician insurance cost?

  The price of your esthetics insurance will be affected by things like:

  • The type of esthetics services you offer, such as waxing and facials
  • The equipment and property you rent, or own
  • Your business income
  • Your location
  • How many staff you employ

  The good news is, we can tailor your policy for the specific risks your business faces.

  What’s more, you can spread the cost of your insurance by paying quarterly, or monthly. Whatever suits you best.

  As for the level of cover you need, it’s best to over-estimate. Think worst-case scenario, but do choose a figure you can sensibly afford.

What other kinds of insurance do estheticians need?