Cosmetology insurance
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.
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?
Professional Liability Insurance
From
$28.33
/month*
Also called errors and omissions, this is coverage for damages and legal costs for mistakes or negligence claims. It also can cover errors that result in unsatisfactory service.
General Liability Insurance
From
$20.75
/month*
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Equipment and Business Property Insurance
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
Workers’ Comp Insurance
From
$38.91
/month*
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.
Business Owner’s Policy (BOP)
From
$33.75
/month*
General liability, property insurance, and more all in one convenient package.
Business insurance —
a one-minute explanation
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.
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:
Damage to your business’s property
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.
Mistakes made in the course of work
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.
Injured or sick employees
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.
Even if you’re a solo cosmetologist, we also recommend adding workers’ comp to your beautician insurance to take care of yourself, especially since many health insurance policies don’t cover work-related injuries.
How Much is Cosmetology Insurance?
Try our beauty industry insurance calculator
Get a quick estimate in just 3 steps.
Answers to More Cosmetology Insurance Questions
Is cosmetology insurance required by law?
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.
How much does cosmetology insurance cost?
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.
What should I consider before buying cosmetology insurance?
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.
Why work with Simply Business?
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.
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
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customers worldwide
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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 January–June 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.