All-Inclusive Esthetician Insurance For Every Stage of Your Beautiful Career
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. Esthetician liability insurance with Elite Beauty Society protects you and your career should anything happen.
PROFESSIONAL 2YR
$299 /24 Months
PROFESSIONAL 1YR
$179 /12 Months
Trusted In Your Industry & Beyond
When you join our partners at Elite Beauty Society, 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? They’re backed by Arthur J. Gallagher, a Fortune 500 global insurance brokerage, with an A+ Rating by AM Best.
Policy Limits
COVERAGE TYPE
Professional & General Liability
Identity Protection Plan
LIMIT
$2 million per occurrence/ $3 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
500+ MODALITIES COVERED. NO EXTRA COST.
All-inclusive, comprehensive coverage supports over 500 different esthetician, beauty, and cosmetology modalities (and beyond!). In other words, no matter how many disciplines you plan to add to your practice, EBS has got your back!
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, this coverage will move with you.
Instant Coverage
We guarantee instant coverage and immediate proof when you partner with Elite Beauty Society 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.
Do I Need Esthetician Insurance?
Even the most skilled estheticians can still find themselves facing a claim 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 financial 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.
Protect Your Career Today And Get Covered
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 Elite Beauty Society 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.
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.
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 EBS?
Yes, professional esthetician liability insurance from Elite Beauty Society requires individuals to be licensed or certified in accordance with any regulations regarding their profession in the states in which they practice.
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. Elite Beauty Society’s policy covers esthetics, as well as, more than 500 additional beauty and wellness services, including cosmetology, nail technicians, and more.
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, this policy will 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 low rate.