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
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Includes:

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

STANDARD

When you also have equipment or operate from an office


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

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

PRO

Get covered against professional negligence


BOP + Professional Liability

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All Standard plan benefits and:

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

CUSTOM

When you have specific requirements


Including Workers Compensation, Umbrella, etc.

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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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