Insurance for Cosmetologists

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Insurance in a snap! Get insured while you work

  • Effortless online application helping you focus on your cosmetology business

  • Affordable insurance to bring out the beauty of your business

  • Be the best cosmetologist in your area, by having the right insurance in place

Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

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


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


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


When you have specific requirements

Including Workers Compensation, Umbrella, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

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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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CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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