All-Inclusive Esthetician Insurance For Every Stage of Your Beautiful Career
Unmatched Liability Insurance for Full and Part-Time Estheticians
You’re proud to work up-close and personal with your clients—but all of that reward comes with a hefty dose of risk, too. Career Shield Insurance esthetician liability insurance protects you, your practice, and your career should anything happen. We’re here for you, providing perks, benefits, and comprehensive coverage at unbeatable rates.
PROFESSIONAL 2YR
$279.95 /24 Months
PROFESSIONAL 1YR
$179 /12 Months
Trusted In Your Industry & Beyond
We’re so glad to have you as part of the Career Shield Insurance team. When you join us at Career Shield Insurance, you join over 300,000 professionals who are receiving the peace of mind, business-building coverage, and best-in-class malpractice insurance they need to succeed. What’s the best part of this coverage? We’re backed by Arthur J. Gallagher, a Fortune 500 global insurance brokerage, 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
Identity Protection Plan
LIMIT
$2 million per occurrence/ $3 million annual aggregate
$2 million annual aggregate
$25,000
All-Inclusive Protection for Unbeatable Rates
Health and wellness is a beautiful thing, but so is peace of mind for an affordable cost. Sounds like a good balance, right? You take care of the esthetics— we’ll take care of the coverage. With our occurrence-form coverage, you’ll remain protected for your coverage term long after your policy expires.
Insurance Policy Highlights
350+ MODALITIES COVERED. NO EXTRA COST.
Our all-inclusive, comprehensive coverage supports over 350 different esthetician, beauty, and cosmetology modalities (and beyond!). In other words, no matter how many disciplines you plan to add to your practice, we’ve got your back!
No Added Fees—If esthetic services aren’t the end of the line for you, don’t worry—our coverage extends to over 350+ different modalities at no additional cost.
Coverage That Follows You—Purchase your own studio, rent a space in a salon, become a mobile esthetician—whatever you want to do and however you want to do it, our coverage will move with you.
Instant Coverage—We guarantee instant coverage and immediate 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.
EXCLUSIVE MEMBER BENEFITS
Our affordable rates, all-inclusive protection, and peace of mind are great—but we didn’t just stop there. We also promise a ton of extra benefits that are exclusive to our Career Shield Insurance members.
FREE Business Resources—Need some grow-your-business guidance? We’ve got you! Our business resource center is filled with FREE guides, templates, websites, eBooks, and more, all ready to help guide you on your journey for immeasurable success in your esthetician career.
Solidified Partnerships—When you partner with Career Shield Insurance, you’ll have access to some of our solidified partnerships—so, you’ll have exclusive deals, discounts, and early reveals from some of the biggest brands in the esthetics industry.
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 esthetic trends, the latest techniques, and must-know skills.
Do I Need Esthetician Insurance?
We know we probably sound biased when we say this, but you absolutely need to invest in liability insurance for your esthetician career. Allow us the chance to explain. Even if you don’t choose Career Shield Insurance as your insurance partner, we still believe liability insurance is an absolute must. You know skincare routines, regimens, and treatments—and more than that, you know how to help your clients look and feel their best. But all of that reward can come with a lot of responsibility—and that responsibility often comes in the form of risk. Even the most skilled estheticians can still find themselves facing a claim against them for damages as a result of some form of loss or event. One of the most cost-effective safeguards available is to ensure you’ve got comprehensive liability insurance. By carrying esthetician liability insurance, you can transfer the risk of monetary loss to your insurance provider. In other words, you no longer have to carry the emotional stress of figuring out how you’re going to pay a claim or defend yourself during the investigation period. Career Shield Insurance is here for 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 esthetician liability insurance coverage with our competitors in the grid below.
- Professional & Genaral Liability Coverage
- Products Liability Coverage
- Occourence From Coverage
- Identity Theft Protection
- Coverage For 350+ Services
- Portable Coverage In All 50 States
- Free Professional Website & Member Benefits
Career Shield
- $2 Million/Occurrence $3Million/Aggregate
- $ 2 Million Occurrence
- Yes
- $25,000
- Yes
- Yes
- Yes
- Get Covered
Next Insurance
- $1 Million/Occurrence $2Million/Aggregate
- $ 2 Million Occurrence
- Yes
- No
- No
- No
- No
AHP
- $2 Million/Occurrence $6Million/Aggregate
- $ 2 Million Occurrence
- Yes
- No
- No
- Yes
- No
Alternative Balance
- $2 Million/Occurrence $3Million/Aggregate
- 2 Million Occurrence
- No
- No
- No
- Yes
- No
Philadelphia Insurance
- $2 Million/Occurrence $4Million/Aggregate
- $2 Million Occurrence
- Yes
- No
- No
- No
- No
Esthetician 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
Esthetician Insurance Frequently Asked Questions
Still unsure how you’re feeling about esthetician liability insurance? Can’t tell which policy is right for you? If the whole insurance thing is still a little foggy, that’s OK—it’s kind of a complicated subject. But that’s why we’re here to help—take a quick skim through some of the most common insurance questions we get from estheticians and other professionals.
What Does Career Shield Insurance Esthetician Insurance Cover?
The best of the best esthetician insurance policies are going to cover a wide array of liabilities that can show up in the normal course of business for every esthetician. Typically, that means both professional liability insurance and general liability insurance. Professional liability claims—otherwise known as malpractice liability claims—occur while you’re performing your esthetician services. Here’s a simple example: you’re applying warm wax on a client that’s (accidentally) way too hot—as a result, your patient is burned. This totally accidental incident could cost you a ton of money should that client file a claim—but with professional liability, your policy would cover the claim up to your limits. General liability, also referred to as slip-and-fall insurance, covers members from a loss event occurring simply from having a customer enter the premises. As the moniker implies, a simple puddle of water on the floor which causes a client to slip and fall can give rise to a claim. In this case, the member would be covered up to $2 Million per occurrence and $3 Million aggregately per year.
But the better your insurance policy is, the more you’ll be covered. We also offer our members identity theft protection, a FREE professional website, and access to members-only discounts on top esthetician gear and accessories.
What Is Professional Liability Insurance For Estheticians?
As an esthetician, you are responsible for the health and welfare of your clients. Your education and experience enables you to offer your clients excellent services. But you have a responsibility to protect your most precious asset—your career. Let’s face it: Accidents happen. But you can be prepared for the unexpected.
Professional Liability Insurance is a form of risk management in which the insured skincare professional can be protected and relieved of the financial responsibility of a potential loss.
Do I Need An Esthetician Liability Insurance Policy If I'm Working Part-Time?
Absolutely! Whether you’re part-time or full-time, your risk is still the same—you’re still working up-close and personal with your clients, you still assume responsibility, and it’s still your job to make sure they’re safe and healthy during and after your services. A client’s adverse reaction to a body wrap or a wax burn are both real-life scenarios that have led to actual claims being filed against estheticians. Some states even require estheticians to carry professional liability insurance in order to obtain and/or renew their licenses. Our advice? Make it a priority to check the State Board for your discipline in the state in which you desire to practice before setting up shop.
How Soon After Purchasing My Insurance Will My Coverage Take Effect?
We love doling out this answer because it’s super short and incredibly satisfying—immediately. From the moment you confirm payment and solidify your membership, you’re on our team. As soon as you purchase your professional esthetician liability insurance policy, you’ll be covered. You’ll even receive the proof of your coverage as quickly as your internet can process receiving an email.
What Type of Insurance Should an Esthetician Have?
At the bare minimum, an esthetician insurance policy should provide comprehensive coverage for each discipline that you choose to offer to your clients. In other words, no service you offer should fall under a “not covered” category. The policy should include provisions for general liability as well as professional liability claims. For example, Career Shield Insurance’s liability insurance coverage provides generous provisions for each of these, all the way up to $2 million per claim and a $3 million annual aggregate. But unlike other skincare insurance providers, we don’t stop with the bare minimum. Career Shield Insurance plans also come with the added protection that we’ve learned are vital to an esthetician business, like coverage for stolen equipment, rental damage, and even identity theft protection.
Why Do Estheticians Need Insurance?
In short, because accidents and incidents are entirely unpredictable and wholly unavoidable. You could be the most professional, skilled, and conscientious esthetician in the world, and you’re still going to deal with incidents, accidents, and allegations. It’s just part of being a human. The average claim in the spa industry is $5,500. Without insurance, this cost would come 100% out of your own pocket. By carrying esthetician liability insurance, you can transfer the risk of monetary loss to your insurance provider. You no longer have to carry the emotional stress of figuring out how you’re going to pay a claim or defend yourself during the investigation period. It only takes a single lawsuit or claim to bankrupt you. You are a skincare professional with specialized training and certification. Though you may not be ultimately responsible for an injury or damages, your role makes you a target. Even baseless claims require you to defend yourself—legal defense can be costly.
Do I Need To Be Licensed To Buy Insurance From Career Shield Insurance?
Yes, professional esthetician liability insurance from Career Shield Insurance requires individuals to be licensed or certified in accordance with any regulations regarding their profession in the states in which they practice.
Do I Need to Be Licensed to Buy Insurance From Career Shield Insurance?<br />
Yes, professional esthetician liability insurance from Career Shield Insurance requires individuals to be licensed or certified in accordance with any regulations regarding their profession in the states in which they practice.
What Are the Unique Benefits to a Career Shield Insurance Policy?<br />
Career Shield Insurance offers many additional member benefits designed to help you and your business thrive. In addition to a comprehensive professional liability insurance policy, you’ll receive award-winning service from our insurance specialists that can help you anytime you need to contact us. You’ll also receive instant coverage the moment you sign up for a policy. Finally, you’ll be granted access to exclusive, members-only benefits like an identity theft protection plan, a free professional website, and discounts from some of the top names in esthetician products and accessories.
What’s the Difference Between Esthetician Insurance & Beautician Insurance?<br />
Estheticians generally focus their practice on skincare and the variety of treatments and regimens associated within your industry. Comparatively, beauticians and cosmetologists tend to focus on hair, nails, and the application of make-up. But that doesn’t mean those industries don’t overlap. Estheticians sometimes tack on certain cosmetology treatments within their practice and vice versa. In fact, some states will allow one license to cover both disciplines but it’s crucial to be sure to check with your State Board for details before adding on new services. Career Shield Insurance’s policy covers esthetics, as well as, more than 350 additional beauty and wellness services, including cosmetology, nail technicians, and even salon business owners insurance.
My Policy Has Expired—Am I Still Covered For a Claim During the Time My Policy Was Active?
Absolutely! That’s the beauty of occurrence form coverage. Even if your claim is expired and someone files a late claim against you that occurred during your coverage period, we’ll still cover you. Unlike other insurance carriers, occurrence form coverage won’t run out if your claim expires—you’ll still be covered for the claim event so long as it happened during the time your policy was in effect.
I’m Still Training to Be an Esthetician—Do I Really Need Coverage?<br />
Unless you’re into the concept of gambling with your future, we highly recommend investing in esthetician insurance while you’re in training. It makes sense, right? This is the time when you’re learning—ultimately, that means it’s an opportune moment to make a mistake. Without insurance, you’ll face having to pay for these claims out of your own pocket. For students who are enrolled in esthetician courses and are not yet licensed, you can purchase a comprehensive esthetician professional liability insurance policy at an incredible rate of just $25 for a full year of coverage. When you sign up prior to graduating your courses, you receive the full limits of coverage and all of our members-only benefits of the professional program for a full 12 months.
How Much Does Career Shield Insurance Cost?<br />
We have several options for estheticians to choose from so they can find what works best for them and their business. For a one-year policy, the current rate for full-time and part-time skincare professionals is $159—no matter where you practice in the U.S. For a two-year esthetician insurance policy, the rate is $279.95—that’s about $38 in savings! We also offer incredibly affordable esthetician student rates for those just starting out—you can’t beat full coverage for just $25 a year!
Do You Offer Esthetician Coverage in All 50 States?<br />
Most definitely! Our esthetician insurance coverage has built-in portability. This means if you change jobs, move states, or change from using a mobile salon to a stationary setting, you don’t have to alert us to anything further updating your contact information.
What Makes Your Esthetician Insurance Stand Out?
Quality insurance is both affordable and reliable—and that’s a combination that doesn’t come around that often. Our esthetician insurance program provides smart, real-world coverage at rates that run around $13 a month. With this program, you get all the way up to $2 million for each occurrence of general or professional liability, as well as $2 million in aggregate for product liability coverage. Members get additional peace of mind for things like stolen identity. Not stopping there, when you sign up, you get instant access to a free professional website to market your services online and a free subscription to a beauty magazine of your choice. Our program really stands out when we throw in hundreds of dollars’ worth of discounts and early access deals on products and services from some of the best names in the esthetician industry.
How Do I Compare Esthetician Insurance?
Insurance can be tricky, but it’s crucial to do your research before picking—that’s where comparing policies can help! Check out our chart on this page (see it above!) comparing our policy to a few other big-names in the insurance game. But don’t stop there! Check out the coverage breadth and depth of all your options! Breadth in esthetician insurance means how widespread the coverage applies to events applicable to the industry. Look at the different coverage options included with the policy to determine which applies best to your unique situation.
Depth of the coverage means how much coverage of each option is provided. Solid esthetician insurance plans will provide at least $2 million per occurrence for general and professional liability claims, as these are the most common types of events for estheticians.
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!