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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.

Beauty Insurance Details

We provide professional general liability (malpractice) and general liability insurance (slip-and-fall) coverage for those who offer professional beauty services like cosmetology, esthetics and nails for $175 annually. Every independent business needs to be covered and appropriately insured so your livelihood and profession are sufficiently protected. 

Our liability insurance coverage even travels with you so that you're able to perform your services even if working out of multiple spaces or studios.

Services Included in Professional Liability Policy Coverage

The insurance and general liability coverage Hands On Trade offers includes a wide range of services in the beauty profession, including cosmetology, esthetics and nails.

We can cover an independent:

  • Aesthetician
  • Barber
  • Beautician
  • Hair Dresser
  • Hair Stylist
  • Make-Up Artist
  • Skin Care Professional
  • Skin Classic
  • Spa Technician

Policy Coverage Exclusions

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

We do our best to make sure our clients have the kind of liability coverage they need, but it's important to note what isn't included in the coverage by the general liability insurance policy.

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

Gain Insurance to Protect Your Beauty Services Here

If you're interested in learning about the other types of business we provide insurance coverage and general liability insurance for, explore the links below. 

Additional Info:

  • We cover multiple other professions with this one policy.
  • Student Coverage is Available for $75 per year.

For more details:

Sign up here and receive an Email
Confirmation with an insurance
document that you can print and present.

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