Esthetician Insurance
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Insuring over 1 million small business owners worldwide.
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Do I Need Esthetician Liability 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.
What Kind of Insurance Does an Esthetician Need?
General Liability
A foundational liability insurance for estheticians to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Business Owner’s Policy Insurance (BOP)
General liability, property insurance, and more all in one convenient package. Just what a busy business owner needs.
What Does Esthetician Liability 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.
Damage to someone else’s property
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.
Injury to a client
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.
Employees who get sick or injured
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.
Stolen or damaged tools and equipment
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.
Mistakes, errors, and negligence claims
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.
Business Insurance
A one-minute explanation
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 may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost 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, 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.
How Much Does Esthetician Insurance Cost?
Try our Esthetician Insurance Calculator
Get a quick estimate in just 3 steps.
Answers To More Esthetician Insurance Questions
What is the best insurance for estheticians?
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.
What should I consider before buying esthetician insurance?
If you’re thinking of buying business insurance, we recommend having the following 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.
Is esthetician insurance required by law?
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.
Why work with Simply Business?
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.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.