Hands On Trade Association
1.800.872.1282 Our Benefits Include Professional and General Liability Insurance

Cosmetology Insurance

Insurance for Cosmetologists

The Hands On Trade Association provides cosmetology insurance as a part of our benefit package. This includes professional and general liability insurance for cosmetologists and students of cosmetology and covers “malpractice” and “slip-and-fall” claims wherever you work. Our professional and general liability insurance is as portable as your practice and covers you anywhere you go to work even if you work in multiple locations. Our benefits package also includes a free website, web hosting, e-mail and additional business building tools. We are able to cover whatever procedures your license allows you to perform in your state or locale, except for the main exclusions identified here.

We cover:

  • Makeup artists
  • Hair stylists
  • Beauticians
  • Barbers
  • Estheticians
  • Nail technicians and more


Cosmetology is the treatment of skin, hair and nails and includes, but is not limited to, manicures, pedicures, applications of artificial nails, makeup, special occasion hairstyling, wet and thermal styling, shampooing hair, cosmetic application, body hair removal, chemical hair relaxers or straighteners, permanent waves, coloring and highlighting of hair, and hair extensions or wig treatments. A person who is licensed in cosmetology is sometimes called a beautician, a beauty specialist, esthetician, aesthetician or skin care professional. A general cosmetologist is proficient in all forms of beauty care or may specialize in hair treatments, facials, skin treatments, and nail treatments.

For more details:

  • To view all the professions that we cover, visit the Professions page.
  • For more information about price and coverage, visit the Coverage and Cost page.
  • To learn about all our member benefits, visit the Benefits Package page.