Premium Cosmetology Insurance for Your Career—Every Step of the Way  

Comprehensive, All-Inclusive Liability Insurance for Full and Part-Time Cosmetologists

You’re in charge of helping your clients look and feel their happiest and healthiest—let us handle the liability part. Your cosmetology liability insurance policy should take care of you, protect your career, and safeguard your reputation—Career Shield Insurance is here to provide all that and more so you’re granted the peace of mind needed to do your job confidently.

PROFESSIONAL 2YR

$279.95 /24 Months

PROFESSIONAL 1YR

$179 /12 Months

Trusted In Your Industry & Beyond

We’re thrilled to welcome you to our team! Join over 300,000 professionals who are experiencing peace of mind, comprehensive protection, and business-building coverage with our best-in-class malpractice insurance and exclusive member benefits. The best part? We’re backed By Arthur J. Gallagher—Fortune 500 global insurance brokerage—and underwritten by Arch Specialty Insurance Group—with an  A+ Rating by AM Best. 

We Provide What Other Partners Won’t—Protective Policies at a Peace of Mind Price  

COVERAGE TYPE

Professional & General Liability 

Product Coverage

Damage to Rental Premises

Stolen Equipment Coverage 

Identity Protection Plan

LIMIT 

$2 million per occurrence/ $3 million annual aggregate

$2 million annual aggregate

$100,000

$1,000 with a $250 deductible

$25,000

Comprehensive Cosmetology Coverage at a Beautiful Price 

Peace of mind is a beautiful thing—and as a cosmetologist, that’s kind of your expertise, right? You handle the beautiful side of your career, we’ll tackle what we do best—protecting you, your career, your finances, and your reputation. Our occurrence-form policies ensure that you’re protected for your coverage period—even after your policy expires.

Insurance Policy Highlights

350+ MODALITIES COVERED. NO EXTRA COST.

Savor the comprehensive coverage that supports over 350 different cosmetology, beauty, and barber modalities. In other words, no matter how you plan to expand your business, we can ensure reliable coverage. With our high insurance limits and superior customer service, our cosmetology insurance gives you the peace of mind that you are fully protected. If anything does happen, don’t worry—we’ve got your back! 

No Added Fees—Planning on becoming a multi-disciplinary career go-getter? We couldn’t be more supportive. No matter what services or disciplines you add to your offerings of our 350+ modalities, we’ll never tack on additional fees for more service coverage within the same risk group! 

Coverage That Follows You—Switch salons, open your shop, become a mobile cosmetologist, rent a space—no matter what you do or where you go, our coverage moves with you for flexible (but reliable) protection. 

Instant Coverage—We guarantee ASAP coverage and instant proof when you partner with Career Shield Insurance for your liability needs. As soon as you confirm your membership and check-out, you’ll have your coverage and certificate as fast as your internet can process it. So, probably pretty dang fast.  

EXCLUSIVE MEMBER BENEFITS

Sure, we offer comprehensive coverage, affordable rates, and peace of mind—but we also promise a ton of extra benefits that are exclusive to our Career Shield Insurance members. 

FREE Business Resources—Set yourself up for immeasurable success with our FREE resources—eBooks, guides, templates, websites, and more! You name it, we’ve got it—we’re here to help you grow your business.   

Solidified Partnerships—When you partner with Career Shield Insurance, you’ll have access to some of our solidified partnerships—AKA, some of the best names in the industry! From discounts on big brands to early access to new products and tools, we can give you the exclusive access you need.  

FREE Subscriptions—Enjoy a totally FREE subscription to a Creative Age publication of your choice to ensure that you’re always staying up-to-speed on the cosmetology trends, the latest techniques, and must-know skills.    

Do I Need Cosmetology Insurance?  

Honestly? YES. No matter your industry, accidents, and incidents are going to be inevitable, but this is especially true in your line of work. You work up-close and personal with clients every single day. That means you’re face-to-face and in their space with sharp tools and a ton of liability. Even if you never make a single mistake (which, hey, it could happen), there’s always the risk that someone could bring a claim against you anyway—in any of these scenarios, comprehensive coverage can keep you safe, safeguard your financials, and ensure your covered during an investigation period. It only takes a single lawsuit or claim to bankrupt you. You are a professional with specialized training and certification, though you may not be ultimately responsible for an injury or damages, your role makes you a target. Career Shield Insurance is here to help you!

Protect Your Career Today And Get Covered

Or call (866) 945-1699 to speak to a live insurance representative.

Need to Weigh Your Insurance Options?

Compare our comprehensive cosmetology liability insurance coverage with our competitors in the grid below.

Cosmetology Styles & Services Covered By Career Shield Insurance

Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics
Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage

Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu
Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique

Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing
Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
SourcePoint Therapy
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Acro Yoga
Acu-Yoga
Amrit
Ananda
Anusara
Ashtanga
Baptiste
Bhakti
Bikram
Chi Kung
Hatha
Instruction
Integral

Integrative
ISHTA
Iyengar
Japa
Jivamukti
Jnana
Kali Ray TriYoga
Kharma
Kripalu
Kundalini
Laughing
Naam Yoga Therapy
Phoenix Rising Power

Power
Prenatal
Raja
Restorative
Sivananda
Stand Up Paddleboard (SUP) Yoga
Svaroopa®
Viniyoga
Vinyasa
White Lotus
Yin
YogaFit® Personal Training
Yoga Therapy*

 

Mat
Apparatus
Instruction

Chemical wave
Children
Custom wrap
Design, cut and style
Flash or balyage highlights
Hair bleaching

Hair coloring
Hair treatments
Hairshaping
Instruction
Permanent wave
Shampooing

Straightening
Thermal styling
Waves
Weave
Wet styling
Wig stylist

Acne treatments
Body scrub
Chemical peel (no lasers)
Cold Light Series 6 Facials
Color consultations
Cosmetic massage
Dermaplanning
Eyebrow shaping
Eyebrow tinting

Eyelash Extensions
Facials
Hair removal (no lasers)
Herbal wraps
Instruction
Make-up (not permanent)
Manicures
Micro-current Toning
Micro needling

Microdermabrasion
Pedicures
Salt scrubs
Skin peels
Ultra sonic facial
Ultra sound facials
Vitamin C peels
Waxing

Acrylic
Airbrush designs
Charms
False nails
Foot scrubs
Gel
Gems

Glitter
Instruction
Manicures
Nail art
Nail extensions
Nail repair
Painting

Paraffin pedicures
Pedicures
Polish
Stencil designs
Varnish
Youth

Barre
Biodanza
Dance Instruction

Cosmetology Insurance Frequently Asked Questions

Not sure if liability is right for your cosmetology career? Feeling a little foggy on how this whole insurance thing works in the first place? Don’t sweat it. Insurance can be a confusing topic for any professional in any industry. We’re here to answer all the questions you might have about coverage, details, and the benefits Career Shield Insurance is proud to offer our members.

What Kind Of Liability Insurance Do Cosmetologists Need?

You work face-to-face with your awesome clients every day. As rewarding as that might be, there’s no denying you’re up-close and personal to them with sharp scissors, hot curling irons, chemical dyes, and more! These tools of the trade—and the very nature of what you do—pile on a ton of risk! At the very minimum, cosmetologists should have a policy with generous limits for both general liability claims as well as professional liability claims. 

General liability is commonly referred to as “slip and fall” insurance. This is because there’s a liability to you as a business owner simply from allowing customers to enter your premises. If a customer trips over a loose tile in your salon and injures themselves, they can hold you liable for the damages. Personal liability is often called “malpractice” insurance. This coverage provides provisions for injuries and other loss events that occur in the event of you providing your service. If your hand slips with a curling iron and you accidentally burn your client, they may hold you liable for their injuries.

Career Shield’s comprehensive cosmetologist insurance policies go far beyond the bare minimum with additional coverage for product liability, rental property damage protection, stolen/damaged equipment protection, and even identity theft protection for members. It’s just one way we have your back, no matter what.

How Does Career Shield Insurance Know About the Specific Risks of Cosmetology?

Good question! We’re aware of what cosmetologists need because we’re a community of cosmetologists ourselves! We’re a team of beauty professionals with associates who have also worked in your field, so we know how advantageous a support system for your career can be.  We understand the decision to purchase liability insurance can seem daunting, so we’ve created an in-depth guide to insurance just for beauticians. If you’ve still got questions, our knowledgeable sales representatives have the answers you’re looking for. Contact us at 800-326-5566, our hours are Monday through Friday 8:30 – 5:30 (EDT) and we even have weekend hours to be available whenever you need to run through all your options.

What Are The Coverage Limits Of A Career Shield Cosmetology Insurance Policy?

With a cosmetology liability insurance policy from Career Shield Insurance, you’ll have a $2 million limit for both professional liability and general liability claims, as well as up to a $3 million individual annual aggregate. An individual annual aggregate means you personally have a $3 million limit each year, no matter how many claims are filed, as opposed to many carriers which “pool” claims for businesses. You’ll also have $2 million in product liability coverage, which covers you in the event that a product malfunctions and causes loss or injury. In the event that a rented facility received damage, you’ll be covered up to $100,000. We even include $25,000 in identity theft protection and $1,000 in stolen or damaged equipment protection.

Do Students In Cosmetology School Need Cosmetologist Insurance?

Absolutely! Getting covered as a student is a smart choice for every cosmetologist in training. While you’re learning a ton during school, you’re also at risk for making some serious mistakes. And unfortunately, the smallest risk or mistake can lead to a claim being filed against you. So, why not protect yourself? We even offer student pricing for our robust plans! Our $25 annual fee for our student plan is affordable without skimping on any of the coverage! You won’t miss out on member benefits, either! 

How Do I Know If The Beauty Treatment I Offer Is a Covered Modality?

We’re proud to cover over 350 different beauty and wellness services—so, odds are, we probably cover it. To be sure, though, we recommend you take a look at the chart on this page to advise on our list—if you don’t see your service, please call or email a knowledgeable sales rep to see if we can add it to our ever-growing list of services covered. 

What Are The Benefits Of Being An Career Shield Insurance Member?

In addition to the incredibly robust coverage limits of an Career Shield Insurance cosmetology policy, we offer a host of additional benefits to our members. For starters, our entire program has been tailored exclusively to beauty professionals – we even wrote a guide on it! You’ll also have access to the Career Shield resource center which holds a wealth of information on topics like setting up a successful business, education tools, eBooks, and so much more. As a member, we’ll provide a free customizable website to start getting the word out about your business to everyone searching online for the services you offer. In addition, Career Shield has solidified partnerships with some of the best names in the industry to offer members-only, exclusives on products and tools for discounts and early access to new items. We’ve even included a free subscription to a Creative Age publication of your choice, all so you can stay up-to-date with the latest tools and techniques.

What are the Benefits of Being a Career Shield Insurance Member?

In addition to the incredibly robust coverage limits of a Career Shield Insurance cosmetology policy, we offer a host of additional benefits to our members—and we love to do it. For starters, our entire program has been tailored exclusively to beauty professionals—we even wrote a guide about this! You’ll also have access to the Career Shield resource center which holds a wealth of information on topics like setting up a successful business, education tools, eBooks, and so much more. As a member, we’ll provide a FREE customizable website to start getting the word out about your business to everyone searching online for the services you offer. In addition, Career Shield has solidified partnerships with some of the best names in the industry to offer members-only, exclusives on products and tools for discounts and early access to new items. We’ve even included a free subscription to a Creative Age publication of your choice, all so you can stay up-to-date with the latest tools and techniques.

What's The Difference Between Claims-Made & Occurrence Form Coverage?

There are lots of carriers out there that offer claims-made coverage because it’s pretty convenient for them—but we offer occurrence-form because it’s the best for you. A claims-made coverage requires a claim to be made while a policy is still active—that means, if someone files a claim against you for the time you were covered but you don’t currently hold a policy with that company, they won’t take care of that claim. We don’t believe in not covering something that rightfully should be covered. Occurrence form coverage means that even if your policy is long-expired, if a claim is made against you for an event that occurred while your policy was still in effect, you’re absolutely covered. It’s just one small way we make sure we’ve got your back.

How Much Is A Career Shield Cosmetology Insurance Policy?

Our rates are some of the best in the industry. We provide different options for cosmetologists to choose from so they can find what works best for them and their business. For a one-year policy, the current rate for beauty care professionals is $159, good anywhere you provide your services in U.S. For a two-year cosmetologist insurance policy, the rate is $279.95, a $38.05 savings over buying two, one-year policies. We also offer affordable cosmetologist student rates at just $25 for a full year of coverage. 

Based on demand, we’ve also made available a benefits-only plan which provides identity protection, a professional website, and access to loads of discounts and special offers for an incredibly low rate of $39 per year.

How Soon After Purchasing A Policy Will I Receive Proof Of Insurance?

We love answering this question with one word—immediately. Our state-of-the-art portal ensures that as soon you confirm your membership and check-out, you’re immediately covered and confirmed! That’s right, once you check-out, you’re checked into our membership! Then, you can access your member portal from anywhere in the world where you have access to an internet connection. 

Every Insurance Policy Sold = 1 Tree Planted

“The best time to plant a tree is 20 years ago. The second best time is now.”—Chinese Proverb.

Every time someone joins our team at Career Shield Insurance, we plant a tree in their honor. Thanks to our stellar community of members and our friends at Trees for the Future, thousands of trees have been planted so far. 

Just as we believe in protecting your career and helping you grow, we believe in protecting our planet and helping it grow, too—help us continue this journey by referring your colleagues and friends to our program today!