Cosmetology insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$28.33
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$28.33
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Do I Need Cosmetology Insurance?
Unfortunate events can happen from time to time, but they can turn ugly for cosmetologists. An allergic reaction to a face cream, a customer falls or gets hurt in your salon, or equipment is damaged or stolen. We can help with the types of insurance coverages beauty industry professionals need to protect their businesses.
What Type of Cosmetology Insurance Do I Need?
From
$28.33
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
Why Should I Get Beauty Industry Insurance?
As a cosmetologist, you’re likely exposed to a lot of risks that may not be immediately obvious. Cosmetology insurance can be valuable protection for your clients, your business, and your wallet.
Here are some reasons why:
Licensed cosmetologists frequently work with harsh chemicals. You’re giving your client a facial when suddenly they experience an allergic reaction — requiring medical attention. A professional liability policy could help you cover the medical bills and even legal costs.
A snowstorm hits, and the weight of the snow causes part of your salon’s roof to collapse. If you’re carrying BOP insurance, it can help cover this weather-related loss, as well as the lost income as a result of the temporary business closure.
It’s a busy day at your salon. In the hustle and bustle, one of your employees slips and falls on the wet floor, injuring their ankle. Having workers’ compensation coverage as part of your beauty salon insurance can help cover the employee’s medical costs, as well as make up for lost wages if they need to miss work.
What Does Cosmetology Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Cosmetology Insurance Questions
It depends. Some states may require you to carry cosmetology insurance before you begin offering your services, so first check with your jurisdiction. In addition, if you want to work with most established salons, wedding venues, or rent a space for yourself, you may need to provide proof of insurance.
The cost for your insurance coverage is largely determined by the type of work you do, the kinds of risks you’re exposed to, and the number of employees you have on your payroll.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices for online garage coverage in just 10 minutes right here.
If you’re thinking of buying business insurance, we recommend having the following information on hand when using our cosmetology insurance calculator:
- State where you do business
- Your type of business or trade
- Annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting salon location, we can help find the coverage you need for your beautician business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Cosmetologists Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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