What is Beauty Insurance?
Cosmetology insurance may also be called beauty insurance or cosmetology liability insurance. It is required to ensure coverage for the many different procedures and treatments that a professional cosmetologist might perform.
Liability insurance is a requirement if you are an independent contractor that works from home or rents a booth, chair, or space in a salon. Liability insurance is required in order to protect yourself and your small business from a possible insurance claim.
Hands-on-Trade provides professional and general liability insurance coverage for independent cosmetologists, including cosmetology insurance, for $175 per year.
Exclusions to the Professional Liability Insurance for a Cosmetologist
While we can cover the spectrum of cosmetology procedures your license allows you to perform in your state or locale, it's important to make note of the exclusions.
We do our best to make sure our clients are covered, but it's important to note what isn't covered by the liability insurance policy.
For the full policy exclusion details, we encourage you to visit the Insurance Coverage Page.
What Is the Insurance Coverage for Cosmetologists?
Cosmetology insurance protects you anywhere you work, even if you work in multiple business locations.
The types of Cosmetology & Beauty Professions covered by our policy include:
- Beauty Specialists
- Estheticians *See a list of proceedures covered.*
- Hair Dressers
- Hair Stylists
- Makeup Artists
- MicroBlading *You must be licensed/certified in your state.*
- Nail Technicians
- Skin Care Professionals
With many more professions covered HERE with just one insurance policy.