Hands On Trade Association
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1.800.872.1282 Membership for Independent Cosmetologists & Estheticians Massage - Body Workers - Yoga

Liabilty Insurance for Esthetics, Makeup, Beauty & Skin Care

Independent Contractors and Booth Renters

We provide Professional (malpractice) & General Liability (slip-and-fall) insurance coverage for Estheticians, Make up Artists, Cosmetologists and Skin Care professionals for $145.00 per year.

We provide liability insurance specifically for independent contractors, booth or chair renters. Apply online and receive an Email Confirmation that includes your certificate of insurance.

Liability Insurance Coverage:

  • Coverage that travels with you anywhere you go to work, even if you work in multiple locations.
  • $2 million coverage / $3 million annual aggregate
  • No Deductible with any type of claims.
  • We offer product liability coverage.
  • Multiple Professions covered with One Policy.

Beauty Services and Professions Covered:

We can cover whatever procedures your license allows you to perform in your state or locale. We cover Aestheticians, Beauticians, Cosmetologists, Estheticians (Non Medical), Makeup artists, Skin care professionals and Spa technicians.

  • Cavitation
  • Chemical Peels
  • Derma Planning
  • Electrolysis
  • Eyelash Extensions
  • Fibro Blast
  • Laser Hair Removal
  • Lash Lifts
  • Micro-current Toning
  • Micro Needling
  • Microdermabrasion
  • MicroBlading. *You must be licensed/certified in your state.*
  • Plasma Lift
  • Radio Frequency
  • Skin Peels
  • Spray Tanning
  • Threading
  • Waxing
  • V-Steaming

Main Exclusions:

Exclusions include but not limited to:

  • Permanent Makeup and Tattooing
  • Any Invasive Procedure
  • Human Structural Manipulations
  • Body Piercing of Any Type
  • Medical Esthetician Procedures
  • Ear Candling
  • T-bars​
  • Sexual Abuse
  • Acquired Immune Deficiency Syndrome
  • Transmission of Communicable Diseases
  • Cryo Chambers/Beds * Any claim based on or arising out of a room, chamber, sauna, tank or other device for rendering services or treament by applying cold temperatures to a person's body by refrigeration, or cryonic or cryogenic means. However, this exclusion shall not apply to use of any strictly handheld device for delivering cryotherapy treatment to a specifically localized body part.*


​​An esthetician provides skin treatments to the face and body in order to enhance a client’s personal appearance. They provide facials, full body treatments, neck and head massages, non medical skin care and the application of makeup. They can also provide skin peels, micro-current toning, microderm abrasion and removal of hair through waxing. They are also known as aestheticians, skin care therapists, skin care specialists, spa technicians, skin care technicians, or makeup artists.

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Esthetician Insurance, Cosmetology Insurance, Hands On Trade