Esthetician insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability
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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Why Do I Need Esthetician Insurance?
As an esthetician, the focus of your business is to help your clients protect and care for their skin. But what about caring for your business and protecting it from financial risks? Having the right coverage as part of your esthetician insurance can take care of your business so you can continue to take care of your clients.
Below are some of the most common types of insurance policies that estheticians carry to stay protected.
What Type of Esthetician Insurance Do I Need?
From
$25.83
/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‡
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*
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.
What Does Esthetician Insurance Cover?
Beauty may only be skin deep, but the risks you could face as an esthetician can run deeper. Protecting estheticians and other small business owners is what we do. We can help you understand your risks and recommend the coverage to help keep you from being financially scarred.
You accidentally drop a skincare solution that stains the floor of your rented space and the landlord demands you pay to have the floor replaced. A general liability policy can help cover the replacement cost and any legal fees if the landlord decides to sue you.
Expertise can’t always thwart the unexpected. For instance, a client tells you about an allergy and you mistakenly use a moisturizer cream with that allergen, resulting in a trip to the hospital and a lawsuit for medical costs and emotional distress. A professional liability policy can cover the medical and legal expenses, up to the limits of your policy.
Beauty is in the eye of the beholder, and if you have a client that doesn’t like the results, it could be ugly for you. Let’s say the swelling from a bride-to-be’s microdermabrasion doesn’t subside before her wedding. She claims her day was ruined and sues you.
Even if you win in court, you could still have to pay the legal costs to defend yourself. This is another instance where professional liability insurance can save you from paying out-of-pocket.
Being an esthetician can come with its share of personal hazards. Cuts and abrasions from razors or waxing applicators can happen suddenly, while shoulder, wrist, or back pain can develop over time. Workers’ compensation insurance can help take care of you and your employees if you become ill or get hurt on the job. It can help cover medical costs as well as rehab expenses, lost wages, and funeral and survivor benefits.
Caring for your employees is important, but so is caring for yourself. We also recommend workers’ comp for owners, even if they don’t have employees, especially because many health insurance policies won’t cover workplace injuries.
Along with expertise, the tools, materials, and equipment you use are critical to your business. If they’re damaged or stolen, it can create two costly problems: You’ll have to pay to replace them, and you may not be able to run your business.
That’s why we recommend business personal property insurance. It can help cover the cost to get your tools and equipment repaired or replaced so you can keep your business going.
What Does Esthetician Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Esthetician Insurance Coverage Questions
Much like you would provide treatments based on a client’s needs, we recommend a similar approach to insurance. Our online quote tool is designed to recommend coverages based on specific aspects of your business and the risks you may face.
We can often provide same-day proof of coverage and convenient monthly esthetician insurance payments are usually available.
ollowing information on hand when using our esthetician 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.
If you have any part-time or full-time employees, you’ll likely be required to carry workers’ compensation insurance. Your state may also require you to carry esthetician liability insurance. Keep in mind that you may also need insurance to rent out a space to perform your esthetician services.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools, equipment and material, we can help find the coverage you need for your esthetician 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 Small Businesses 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.
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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.
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business types covered
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customers worldwide
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We’ve Got More Helpful Information
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Do Estheticians Need Insurance?
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A General Liability Insurance Guide for Small Business
*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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