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

Liability Insurance Coverage

Insurance coverage is important for professionals of any trade and their businesses. Being an independent contractor doesn't exclude you from the importance of having a quality insurance policy. The Hands On Trade Association takes pride in offering liability insurance to a range of skilled professionals including massage therapists, bodyworkers, cosmetologists, estheticians, yoga teachers, personal trainers, and a host of other professions.

Explore some of the details of the insurance we offer and get a policy that protects you and your business.

Insurance Policy for Beauty, Bodywork, Cosmetology, Massage and more.

Insurance is usually thought of in the context of white-collar and blue-collar professions, but it's important to have it no matter the kind of business you run. Explore what independent professionals we cover with our insurance policy.

  • Hands on Trade provides liability insurance for independent professionals.
  • Professional Rate: $175 per year

Insurance Coverage Details:

It's important that you understand the policy you get and how the insurance works for you. Learn more about being insured below.

Professional Liability Insurance:

"Malpractice Insurance" in case you hurt your client.

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

General Liability Insurance:

"Slip and Fall Insurance" in case your clients hurt themselves.

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

Insurance Information:

  • Product Liability Coverage of up to $2 million dollars.
  • Premises Insurance covering damages up to $100,000 dollars per year.
  • Coverage for U.S. residents only.
  • No coverage of contents.
  • There is no deductible with this policy.
  • Coverage travels with you anywhere you go to do your profession.

Insurance Coverage Exclusions:

Exclusions include but not limited to:

  • No coverage of contents
  • 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
  • Cryo Chambers/Beds* Any claim based on or arising out of a room, chamber, sauna, tank or other device for rendering services or treatment 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.*

Adding an Additional Insured and Other Policy Information:

What is an Additional Insured?

As an Independent Contractor, you may be required to name or add a landlord or a business as an "Additional Insured" as a condition of renting a room, space, booth or chair.

One or more Additional Insured can be added now, or anytime during your policy period for $10 each.

Certificate Holder Additional Insured means any landlord, owner, or property manager of the Designated Premises; or any trade show or convention sponsor or operator; where required by written contract.

Animal Massage Therapy Insurance Sub limit

We provide $25,000 of animal therapy insurance coverage per occurrence.

Visit the Animal Massage page for more details.

Student to Professional Rate

We can provide students coverage while they are in school and then upgrade them for free when they become licensed professionals for $75. The policy will automatically change to the full professional rate at your first renewal after graduation.

Visit the Student page.

Details about our Insurance Provider:

The Insurance portion of the Hands On Trade Membership Benefits Package is provided by MarshMclennan Agency.

***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, a Markel Corporation company  rated “A” (Excellent) by A.M. Best. MarshMclennan 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.***