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

Professional & General Liability Insurance for Massage & Beauty

Massage Therapists, Cosmetologists, Beauticians, Esthetics, Yoga, and more...

Protection for your Practice:
The Hands On Trade Membership Association provides benefits including professional liability (malpractice) and general liability (slip & fall) insurance for independent professionals, also called independent contractors or booth renters, who care for body, hair, skin and nails in fields related to touch.

The professional fields that we cover include Massage Therapy, Cosmetology, Esthetics, Nails, Yoga, Bodywork, Energy WorkDance, Pilates, Personal/Fitness Trainers and much more.

The Hands On Trade Association can cover the profession that you practice for $145.00 per year, and additional professions that you practice with the same policy at no additional charge.

Liability insurance coverage for independent professionals

Peace of mind for you and your clients:
Our membership benefits package enhances your professional reputation, protecting you while you earn a living and giving peace of mind to both you and your clients. Insurance protection is a crucial part of your practice that shields you from claims that can leave you vulnerable to a lawsuit. 

As an independent professional, you are your own business. You must create a level of protection and security that establishes the foundation for your independent business. Having insurance protection is essential against claims that could leave your business vulnerable to a lawsuit. You and your clients will rest easier knowing that you are protected and that your independent business is covered.

Information about adding an Additional Insured

Peace of mind for your landlord or employer:
As an Independent Contractor you may be required to name or add a landlord or a business owner as an additional insured as a condition of renting a room or space or working in a Spa or Salon. It is very common for a landlord or business owner to request this to insure that they have protection against any of your clients that may file a claim or for something done while in their building or business.

The application contains an Additional Insured Option that can be filled out during your initial application or at a later time by going to the membership login page and entering you Email Address and Certificate Number.
There is a $10 dollar fee for each additional insured that you add to your membership.

We have listed some insurance terms  and common questions to help you. Feel free to contact us for customer service.

Details about our Insurance Provider

The Insurance portion of the Hands On Trade Membership Benefits Package is provide by PayneWest Insurance.

***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. PayneWest Insurance 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. 


  • PORTABLE! Covering you wherever your work takes you.
  • INSTANT! Insurance coverage.


  • SECURE! Underwritten by an A+ rated, U.S. based provider.
  • No Deductible.
  • U.S. Residents only. 


Member Benefits for massage, yoga, cosmetology, esthetics, dance, body work, energy work, animal massage, pilates, tai chi and more.