Insurance for Cosmetologists

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Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
29
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
49
Month
Instant quote »

All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown
Get STANDARD plan

PRO

Get covered against professional negligence

BOP + Professional Liability

From
99
Month
Instant quote »

All Standard plan benefits and:

  • Professional service errors like hurting someone while providing your service
  • Retroactive claims (previous contracted work)
  • Subcontractor errors
Get PRO plan

CUSTOM

When you have specific requirements

Including Workers Compensation, Umbrella, etc.

From
___
Month
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Professional Liability

Professional Liability, or Errors and Omissions (E&O), insurance protects you when your advice causes harm to a customer by paying medical or property damage expenses in addition to settlement costs.

General Liability

General Liability insurance pays for claims or lawsuits that arise from an injury to a customer or damage to their property. It also covers advertising if a competitor alleges you stole on their marketing or advertising strategy.

Umbrella Insurance

Umbrella Insurance cover a much higher limit and it goes above and beyond the claims of your insurance policies. It helps your business by protecting a large and potentially devastating liability claim or judgment. The Umbrella Insurance comes into play when the underlying liability limits have been reached.

Product Liability

Product Liability insurance covers lawsuit expenses and settlements if a product you sell damages a customer’s property, causes injury or illness, or if it causes emotional distress.

Commercial Auto

If you make house calls, a Commercial Auto policy pays for any damage you cause in an auto accident. If you use a personal vehicle, you will need Hired & Non-owned liability insurance as well.

Workers Compensation

Workers' Compensation covers the costs for employees injuries or illness on the job. It pays medical expenses, rehabilitation, and lost wages until they return to work. In turn, the employee is not allowed to sue you for employer negligence.

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Frequently Asked Questions

Why do Cosmetologists need insurance?

Cosmetologists are like artists in the beauty industry, starting with a canvas to paint a beautiful masterpiece. Customers rely on you for special events like weddings, proms and more. Even though it seems risk-free, there is always the possibility of lawsuits, injury or damage that can cause financial ruin. Cosmetology insurance protects you in these moments from loss of finances and a damaged reputation. This coverage consists of cosmetology schools as well as beauty shops and hairdressers.

What risks could Cosmetologists face?

The art of cosmetology includes several risks:

  • Bodily Injury: Using a makeup remover or face wash to rid any dirt from your client’s skin is normal, but an allergic reaction or burns can lead to a lawsuit.
  • Advice Goes Wrong: Many cosmetologists offer advice for future skincare and if products you recommend cause injury or damage, you can be held responsible.
  • Bad Product: If you sell makeup products and they don’t work or damage clothing or other property, customers can file a lawsuit for financial damages.
  • Loss of Income: Cosmetologists often rent booths at a local hair salon. If the salon catches on fire, you are left without your products or a place to make an income.

How much does Cosmetology Insurance cost?

Cosmetology insurance costs are different depending on the insurance company. To determine premiums, companies look at experience, claims history, and the types of cosmetology services you offer. To receive a quote for cosmetology insurance today, simply complete our online form.

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