Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.
Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.
Esthetician Insurance That’s Made Just For You
You work with the latest and greatest technology, as well as skin product lines to change peoples’ lives. You go beyond DIY masks and wrinkle creams – you know what leading skin treatments are the perfect match for the customers who walk through your doors.
On the other hand, you probably aren’t an expert in small business insurance.
What Insurance Do Estheticians Need?
Let Simply Business build an esthetician insurance policy that’s personalized just for you.
Need more detail? Read our FAQs:
Get Your QuoteProfessional Liability Insurance for Estheticians
Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your professional services.
You are directly working on someone’s skin with your profession, and that poses a risk of making a mistake to a loyal customer. If you have made any major errors or are alleged to have made an omission with your services, you could face a big claim. Professional liability may cover the costs that come with that.
Professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- And more
Professional liability insurance usually does not cover:
- Intentional negligence
- Bodily injury
- Property damage
- False advertising
- Patents and trade secrets
- And more
General Liability Insurance For Estheticians
General liability insurance is sometimes combined with professional liability insurance, but make sure you check to see if your coverage includes both options. The reason why is because general liability insurance covers you and your business in case any accidents happen.
Think about the space where you run your practice. If someone trips or slips in your office right after a procedure, you may be liable for that customers medical bills. That is why a general liability policy may help you protect your business.
General liability usually covers:
- Bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- Defense costs
- Supplemental payments
General liability insurance usually does not cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to own employees
- Known claims or potential claims
Learn more about commercial general liability insurance.
Workers Compensation Insurance for Estheticians
Do you have full-time employees or part-time help? If that’s the case, you’ll definitely need workers compensation insurance. If someone who works for you gets hurt on the job, this coverage provides help with medical bills, lost wages, and any legal costs that relate to the injury.
Most states require any business with employees to have workers compensation insurance, so make sure you add it to your policy!
Learn more about workers compensation insurance.
How Much Does Esthetician Insurance Cost?
Not sure how much you might pay for coverage for your esthetician business? While there’s no one answer for how much your policy will cost, your final premium will usually be determined by:
- The number of employees you have (including part-time and consultants)
- Your location
- Payroll
- Revenue
- And more
Want to find out how much your insurance policy might cost? Just click here to answer a couple of questions about your business.