Customized Insurance for Your Esthetician BusinessGet Your Quote
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.
Let Simply Business build an esthetician insurance policy that’s personalized just for you.
Need more detail? Read our FAQs:Get Your Quote
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:
Professional liability insurance usually does not cover:
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:
General liability insurance usually does not cover:
Learn more about commercial general liability insurance.
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.
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:
Want to find out how much your insurance policy might cost? Just click here to answer a couple of questions about your business.