Professional & General Liability Insurance
Massage Therapists, Cosmetologists, Estheticians, Yoga, Dance, Pilates and more...
Protection for your Practice:
The Hands On Trade Membership Association provides benefits including professional liability (malpractice) and general liability (slip & fall) insurance for independent professionals, also called independent contractors or booth renters, who care for body, hair, skin and nails in fields related to touch.
The Hands On Trade Association can cover the profession that you practice for $155.00 per year, and additional professions that you practice with the same policy at no additional charge.
Liability insurance coverage for independent professionals
Peace of mind for you and your clients:
Our membership benefit package enhances your professional reputation, protecting you while you earn a living and giving peace of mind to both you and your clients. Insurance protection is a crucial part of your practice that shields you from claims that can leave you vulnerable to a lawsuit.
As an independent professional, you are your own business. You must create a level of protection and security that establishes the foundation for your independent business. Having insurance protection is essential against claims that could leave your business vulnerable to a lawsuit. You and your clients will rest easier knowing that you are protected and that your independent business is covered.
Information about adding an Additional Insured
Peace of mind for your landlord or employer:
As an Independent Contractor you may be required to name or add a landlord or a business owner as an additional insured as a condition of renting a room or space or working in a Spa or Salon. It is very common for a landlord or business owner to request this to insure that they have protection against any of your clients that may file a claim or for something done while in their building or business.
The application contains an Additional Insured Option that can be filled out during your initial application or at a later time by going to the membership login page and entering you Email Address and Certificate Number.
There is a $10 dollar fee for each additional insured that you add to your membership.
Details about our Insurance Provider
The Insurance portion of the Hands On Trade Membership Benefits Package is provide by PayneWest Insurance.
***The Liability master policy is issued to the Wellness and Beauty Association Risk Purchasing Group, members of which are also members of the Hands On Trade Association, Inc. Professional Liability and Commercial General Liability coverage under the Hands On Trade program is underwritten by Evanston Insurance Co (Essex insurance Co. in the State of Illinois), a Markel Corporation company rated “A” (Excellent) by A.M. Best. PayneWest Insurance agency serves as our agent. Brown & Riding Insurance Services, Inc serves as the surplus lines broker. The Hands On Trade Association is NOT an insurance company.
- PORTABLE! Covering you wherever your work takes you.
- INSTANT Insurance coverage and benefits when you sign up online.
- SECURE! Underwritten by an A+ rated, U.S. based provider.
- No Deductible.
- U.S. Residents only.