Beauty & Cosmetology Insurance

Customized Insurance For Your Cosmetology Business

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Beauty & Cosmetology Insurance That’s Made Just For You

At Simply Business, we specialize in affordable insurance that’s personalized for beauticians, hairdressers, cosmetologists, make-up artists, and more. So you can be sure you’re getting the exact coverage you need - no more, no less.

What Insurance Do Beauty Professionals Need?

Whether you’re working in a nail salon or visiting a customer’s house to do her bridal makeup, your beauty business may expose you to risks that you don’t think about on a day-to-day basis. Let Simply Business build a beauty insurance policy that’s personalized just for you.

Need more detail? Read our FAQs:

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Beauty & Cosmetology Professional Liability Insurance

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 beauty services. If your customer decides to sue your business for mistakes related to the services you provide, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.

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

Beauty & Cosmetology General Liability Insurance

General Liability insurance - also known as commercial general liability (CGL) insurance - protects your business from third-party claims of bodily injury or damage to someone else’s property.

For example, if someone enters your salon, trips over your rug and requires medical attention, general liability may cover the medical costs related to that individual’s injury.

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 Accountants

If you have a full-time or part-time employee - or even if other people pay for a chair or desk in your salon - you may need workers compensation insurance. This type of insurance policy covers medical bills, lost wages, and any legal costs associated with an employee who got sick or hurt on the job.

Most states require any business with employees to have workers compensation insurance, so make sure you add it to your beauty & cosmetology insurance coverage!

Learn more about workers compensation insurance.

How Much Does Insurance for Beauty Professionals Cost?

If you’re curious about how much you might pay for beauty & cosmetology business insurance, your policy price will usually be determined by:

  • The number of employees you have
  • Where you’re located
  • Your particular beauty & cosmetology services
  • Your payroll
  • Your estimated revenue for the year
  • And more

Want to find out how much your accounting business insurance might cost? Just click here to answer a couple of questions about your business.

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