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Esthetician Insurance

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It’s Time for Esthetician Insurance That Gets You.

You worked hard to become an esthetician. So isn’t it time you had insurance coverage that protects your hard work?

At Simply Business, we offer esthetician liability insurance policies that cover the biggest risks you face while running your business. Just answer a few easy questions, compare free quotes from insurers who specialize in covering estheticians, and select the one you want.

Best of all? You can get free insurance quotes in under 10 minutes.

Discover what it’s like to have esthetician insurance that truly gets you. Get your free quotes today!

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Insurance FAQs:

  • What is Business Insurance?
  • What is General Liability Insurance?
  • What is Professional Liability Insurance?
  • More business insurance FAQs

Coverage Type

  • Small Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Self-Employed Business Insurance

Policies Available for Esthetician Insurance:

  • General liability insurance
  • Professional liability insurance
  • Workers compensation insurance

Benefits

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help customers feel good about your work.
  • It may be legally required where you’re located.

A woman tweezing eyebrows

What Type of Insurance Do I Need for My Esthetician Business?

Insurance for estheticians can include many different policies, depending on your business’s exact needs. Here are three core policies we recommend for esthetician insurance coverage:

Commercial General Liability insurance

Commercial general liability (GL) insurance for estheticians covers costs associated with third-party accidents, damages to property, and bodily injury to a third-party. General liability coverage can also protect some of your esthetician equipment in case it gets damaged or stolen while you’re doing your work.

Without this type of coverage, your business may be responsible for those costs. The average claim for property damage or accidents for small businesses is $30,000, so you’ll definitely want to protect yourself with general liability insurance.

Here’s an example of how general liability insurance can work for estheticians: Let’s say you rent a room from a medical spa to perform your services. While working on a client, you accidentally drop a solution on the spa’s floor, and it ends up staining the flooring. The owner is furious and demands you pay the cost to replace the floor, which comes out to thousands of dollars.

Without esthetician liability insurance coverage, you’d have to pay that money out of your own pocket. Fortunately, your policy has your back, as it can pay out the cost of replacing the floor, plus any additional fees incurred by the incident (like if the owner decided to sue you and you had to hire a lawyer).

So what exactly could general liability insurance cover? Here’s a quick summary:

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Now check out what general liability insurance usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Automobiles while in business use
  • Expected or intentional injury or damage
  • And more

Professional Liability Insurance

As a licensed esthetician, you probably work with a lot of chemicals and tools that could potentially cause harm to your customers if you don’t use them correctly. For example, what happens if a customer tells you she’s allergic to glycolic acid, but you end up using it in a facial - and she has a horrible allergic reaction?

That’s where professional liability insurance comes in!

Esthetician professional liability insurance covers you, your employees, and your business if your client claims that you, your employees, or your business were negligent in providing your professional services. We know that’s definitely a lot of insurance-speak, so let’s take a look at how PL insurance works in action.

Let’s say you’re providing a microdermabrasion to a glowing bride-to-be a month before her wedding. You assure her that her skin will be ready for the big day because, well, in your experience, the side effects usually only last a week or two. Unfortunately, that’s not what happened with your bride-to-be - and her skin looks horrible for her big day. She’s so upset that she decides to sue you.

Professional liability insurance can protect your business’s finances - and your own - in case you're responsible for a mistake you made while providing your services or you’re being sued for that mistake. This coverage is recommended for estheticians, as your line of work exposes you to risks that PL insurance can protect you from.

Here’s a brief recap on what professional liability can cover:

  • Negligence or alleged negligence
  • Legal defense costs
  • Omissions or alleged omissions
  • Claims and damages
  • And more

Keep in mind that PL insurance usually doesn’t cover:

  • Intentional acts and omissions
  • Property damage
  • Medical expenses
  • Bodily injury
  • And more

Workers Compensation Insurance

In most states, if you have an employee (even if they’re part-time or temporary), you’ll be legally required to carry workers compensation insurance. This insurance (more casually referred to as workers comp) protects your business in case any of your employees get hurt, injured, or sick while working on the job.

For example, let’s say you have an employee who ends up getting chemicals in her eyes while bleaching a client’s hair. That employee has to go to the hospital, which results in big medical bills. Instead of your business having to fork over the money for those bills, your workers compensation policy will cover the employee’s medical bills and other related expenses, like time missed from work.

The importance of having workers compensation insurance - especially for estheticians - cannot be overstated. Here’s why: In 2018, work injury costs totalled a whopping $170.8 billion. The average work injury case amounted to about $41,000, which can be pretty devastating to an esthetician and their business.

Workers compensation insurance for estheticians can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

An esthetician and client

Why Should I Get Insurance for My Esthetician Business?

We get that esthetician insurance can feel like a big expense, especially if you’re just starting out or you need your money for costs like equipment or renting out space for your practice.

But here’s the thing: What you spend on esthetician insurance is minimal compared to what you might end up spending if you get sued by an angry customer (even if you did nothing wrong) or if you accidentally were negligent while giving a customer a beauty treatment. Additionally, if insurance coverage is required in your state, not having a policy could end up landing you in legal hot water.

Just consider the average costs small business owners are exposed to without insurance:

  • $30,000 for property damage or accident claims
  • $41,000 for work injury claims
  • $50,000 for reputational harm claims (like in cases of slander or libel)
  • $20,000 for a customer slip and fall case

Lawsuits are surprisingly common: 43% of small business owners have reported being threatened with or involved in a civil lawsuit.

Keep in mind that you don’t even have to do anything wrong to get sued by a customer. You could have provided the best services, but if a client still decides to sue you because they were dissatisfied in some way with your services, you may have to spend money to hire a lawyer and defend your business.

Without the appropriate insurance coverage, those costly claims and lawsuits could come out of your own pocket!

Additionally, having proof of insurance can be a key difference maker for milestones that grow your esthetician business, like:

  • Renting out a room or space for your practice
  • Convincing other estheticians to work with you
  • Earning customers’ confidence
  • Opening another location
  • And more!

When you buy insurance through Simply Business, we’ll provide you with a certificate of insurance (COI) so you can start providing proof of coverage.

Question marks

Esthetician Insurance FAQs

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Is esthetician insurance required by law?

If you have any part-time or full-time employees, you’ll 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 be required to carry insurance to rent out a space to perform your esthetician services.

An esthetician applying a face mask

Why Choose Simply Business?

Simply Business is an online insurance brokerage that makes it easy to compare and get a business policy from top insurers. We’re also one of the fastest-growing online providers of small business insurance, meaning thousands of customers trust us to protect their growing businesses.

So why choose Simply Business? It’s, well, simple:

  • We’re fast and affordable. You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • We’re flexible with coverage. Whether you need increased coverage because you bought new equipment or a COI, we’re here to help.

  • We get your business. Forget one-size-fits-all insurance. Get the protection your esthetician business needs, when you need it the most.

After all, you’ve worked hard to build your esthetician business. That’s why we offer the best coverage to protect it.

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Businesses We Insure

  • Advertising Agency Insurance
  • Barber Insurance
  • Beauty Insurance
  • Clothes Shop Insurance
  • Florist Insurance

Other Businesses We Insure

  • Graphic Design Insurance
  • Hair Salon Insurance
  • Hairstylist Insurance
  • Manufacturing Insurance
  • Mobile Hairdresser Insurance
  • Nail Technician Insurance

This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.