How Much Does Beautician Insurance Typically Cost?

Depending on your coverages, beauticians and cosmetologists pay a median price of $30 per month, or $359 per year.

Here’s a snapshot of what our customers typically pay for beautician insurance:

¹Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased at least one or a combination of general liability, BOP, professional liability, workers’ compensation, or inland marine policies from July 1, 2024 to December 31, 2024. Reflected price tiers may not include purchase of all available policies under beautician/ cosmetology insurance.

What you pay depends on a few key things, including, but not limited to: the type of work you do, the size of your team, and the type of coverage you choose. But most beauticians and cosmetologists pay under $95 per month for insurance.

These numbers are based on real policies purchased through our site. But getting a great premium isn’t just about the numbers — it’s about working with a partner that understands your business. And because we work with a range of trusted insurers, you’ll see coverage options to match your business, so you can choose a customized package that works for you and your budget.

How Much Does Professional Liability Typically Cost?

Based on the policies we’ve sold, beauticians and cosmetologists pay a median cost of $42 per month, or about $500 per year, for professional liability insurance. It can protect your business if a client claims you made a mistake.

Here’s a snapshot of what our beauticians and cosmetologists typically pay for professional liability insurance:

²Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased a professional liability insurance policy from July 1, 2024 to December 31, 2024.

What you pay typically depends on a few key things, including: the type of work you do, the size of your business, and the amount of coverage you choose. But most beauticians and cosmetologists pay under $95 per month. 

To learn more about professional liability insurance, check out our helpful professional liability cost guide.

How Much Does a Business Owner’s Policy (BOP) Typically Cost?

Beauticians and cosmetologists pay a median cost of $34 per month, or about $405 per year, for a BOP. It’s a package of insurance coverages combined into a single policy, designed specifically for small- to medium-sized businesses.

Here’s a snapshot of what our beauticians and cosmetologists typically pay for a BOP:

³Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased a BOP from July 1, 2024 to December 31, 2024.

What you pay depends on a few key factors, including: the type of work you do, the size of your business, and the amount of coverage you choose. But most beauticians and cosmetologists pay under $95 per month for BOP.

To learn more about a BOP, check out our helpful BOP cost guide.

How Much Does General Liability Typically Cost?

Beauticians and cosmetologists pay a median cost of $23 per month, or about $274 per year, for general liability insurance. It’s a foundational coverage to help handle costs from third-party accidents, property damage, and bodily injury.

Here’s a snapshot of what our beauticians and cosmetologists typically pay for general liability insurance:

⁴Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased a GL insurance policy from July 1, 2024 to December 31, 2024.

What you pay typically depends on a few key things, including: the type of work you do, the size of your business, and the amount of coverage you choose. But most beauticians and cosmetologists pay under $25 per month.

To learn more about general liability insurance, check out our helpful general liability cost guide.

How Much Does Workers’ Compensation Insurance Typically Cost?

Beauticians and cosmetologists pay a median of $46 per month, or $556 per year for workers’ comp insurance. Most states require workers’ comp for small businesses with full- or part-time employees – it can help take care of your team if they get sick or injured on the job.

Here’s a snapshot of what our beauticians and cosmetologists typically pay for workers’ compensation insurance:

⁵Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased a workers’ compensation insurance policy from July 1, 2024 to December 31, 2024.

Your workers’ comp premium is calculated based on the type of work your team performs, your claims history, and your payroll, among other factors. But most beauticians and cosmetologists typically pay under $150 per month for workers’ comp insurance.

To learn more about workers’ compensation insurance, check out our helpful workers’ comp cost guide.

How Much Does Equipment and Business Property Insurance Usually Cost?

Beauticians and cosmetologists pay a median cost of $24 per month, or about $293 per year, for equipment and business property insurance — also known as inland marine insurance. This coverage can protect your tools, equipment, and inventory financially while in transport or stored offsite.

Here’s a snapshot of what our beauticians and cosmetologists typically pay for equipment and business property insurance:

⁵Data from Simply Business customers specializing as a “beautician/cosmetologist” who purchased equipment and business property insurance policy from July 1, 2024 to December 31, 2024.

The cost of equipment and business property insurance — also known as inland marine — depends on the value of your tools and equipment and the type of work you do. But most beauticians and cosmetologists pay under $25 per month.

To learn more about equipment and business property insurance, check out our helpful equipment and business property insurance cost guide.