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Beauty Insurance

No matter the type of professional beauty services you offer, insurance coverage is important for any business. Whether you offer beauty services as an independent businessperson or within a salon or professional space, having quality beauty insurance that covers the procedures you perform is extremely important.

As a professional who works with their client's to help them improve their overall confidence and express their aesthetic style, there are many services you provide that should be covered by your insurance policy. Read below to discover how our liability insurance can better protect you and your beauty business so that you can continue improving the lives of your community without worry.

Why the Beauty Business Needs Insurance

Professional beauty services often require licenses to work in salons or to gain clients as proof of cosmetology education. Those who work in the beauty services business often offer a wide range of techniques and skills that deal with human body elements, ranging from nails to hair and skin to therapeutic treatments. Professional liability insurance helps protect you and your business if a customer reacts poorly to the service or has an accident on your premises.

No matter the type of service offered or the type of beauty business you have, these things happen to all businesses. Professional liability insurance helps to ensure you can operate your business without the fear of costly situations.

Don’t wait until it’s too late

Protect yourself and your clients today.

Liability Insurance for Independent Contractors
Professional & General Liability Insurance
Coverage travels with you anywhere you go to work
Multiple professions can be covered with only one policy
Coverage anywhere in the United States

Only

$190

per year

Apply to be a Member Today

Professional and General liability insurance for hair stylists and other beauty professionals

At Hands on Trade, we offer a comprehensive professional and general liability insurance policy that is tailored to meet the unique needs of independent beauty professionals…just like you. Our coverage is designed to protect you and your business from potential claims and financial losses, so you can focus on what you do best – serving your clients and growing your business.

Professional Beauty Liability:

Protect yourself against claims of professional negligence or mistakes made while providing your services.

$2 million dollars of professional liability insurance coverage per occurrence.

General Beauty Liability:

Safeguard your business from claims related to property damage or injury that occurs on your premises or as a result of your services.

$2 million dollars per occurrence of general liability insurance coverage.
$3 million dollars in annual aggregate.

Over the years, I have directed my independent stylists to Hands-On-Trade for their insurance needs. They are fast, dependable, and have professional customer service. I would recommend them to anyone.

~Christine, Salon Owner, CA

Beauty Insurance Details

It is crucial for beauty contractors to have insurance for several reasons. Insurance helps protect you and your business from potential financial losses due to unexpected events. For example, if a client is injured on your premises or during a service, liability insurance can help cover any medical costs and legal expenses that may arise.

Our liability insurance coverage even travels with you so that you're able to perform your services at multiple locations.

Professions and Procedures Covered with Our Policy:

Barbers
Beautician
Beauty Technicians
Cosmetologists
Estheticians
Hair Stylists
Makeup Artists
Nail Technicians
Skin Care Specialist
Massage Therapists
Bodyworkers
Body Contouring
Chemical Peels
Derma Planning
Electrolysis
Eyebrow Threading
Eyelash Extensions
Fibro Blast
Lash Lifts
Micro Needling
Microdermabrasion
MicroBlading*
Waxing
And many more

Sign Up Today to Protect Your Beauty Service Business

Secure your career, reputation, and livelihood with Hands On Trade’s comprehensive beauty insurance. Ready to receive confirmation of your coverage, complete with a downloadable insurance document? Sign up today!

Apply Today

Policy Coverage Exclusions

While we do cover a wide range of methods and services, it's important to make note of the policy exclusions.

For the full policy exclusion details, we encourage you to visit the Insurance Coverage Page.

Frequently Asked Questions

What Does Beauty Insurance Cover?

A professional beauty liability insurance covers mistakes or professional negligence.

A general beauty liability insurance covers property damage or injury that occurs in your business space.

Does Your Beauty Insurance Cover per Professional or per Location?

Our beauty insurance follows the individual professional, not the business location. This means your coverage can travel with you as you work in one or more salons, studios, booths, treatment rooms, or other approved business spaces.

Does Your Beauty Insurance Cover Massage Therapists?

Yes, our professional beauty insurance covers beauty and bodywork and multiple services with one policy.

How Much Does Beauty Insurance Cost?

$190 per year.

Does Your Beauty Insurance Cover Beauty Shops?

Our beauty insurance covers individual professionals rather than the physical shop or business location.