Esthetician insurance protects skincare professionals from the risks of working closely with clients, including liability for injuries, allergic reactions, or dissatisfaction with results. With the right esthetician liability insurance, you can safeguard your business, your tools, and your clients while maintaining peace of mind.
Insurance for estheticians extends to a wide range of professional skin care and beauty treatments you may perform.
Coverage for certain treatments, such as injectables, is available on a limited basis. If you do not see your service listed, please contact BeautyGuard to discuss eligibility.
BeautyGuard provides comprehensive insurance for estheticians to protect business operations, equipment, and your livelihood.
One lawsuit or claim can disrupt work, drain finances, and harm reputations. BeautyGuard offers liability insurance for estheticians to protect against client and third-party claims related to services, operations, or conduct. This can include:
Some risks require an extra layer of protection. BeautyGuard offers additional coverages to address exposures that fall outside standard liability insurance:
While each esthetician’s risk differs, here are examples of real claim scenarios (excluding legal defense costs) that may be covered under esthetician insurance.
Coverage is subject to the terms, conditions, limitations, and exclusions outlined in the policy. Claim outcomes may vary based on specific circumstances and do not guarantee future coverage. You may be held liable for harm caused to a client. Always take proper precautions and follow safe practices at all times.
Even the most careful estheticians can face unexpected accidents, client injuries, allergic reactions, or property damage. Without coverage, you could be left paying out of pocket for medical bills, legal fees, and settlements. Esthetician insurance can include waxing insurance, facial insurance, laser hair removal insurance coverage, microneedling insurance, body sculpting insurance, and more—helping protect you and your business.
At a minimum, estheticians should carry professional liability insurance (for mistakes or client injuries related to services) and general liability insurance (for third-party injuries and property damage). Many also choose to carry business personal property coverage for tools and equipment.
Esthetician liability insurance can protect against claims involving client injuries, allergic reactions, infections, and property damage, as well as legal defense costs. It can also cover accidental damage to a client’s property that occurs while providing services.
Esthetician insurance costs vary depending on location, services offered, and coverage limits. Depending on the state, esthetician liability insurance cost averages around $600 to $900 per year for most professionals.
BeautyGuard! The best esthetician insurance policy provides broad coverage for the services you offer, includes both professional and general liability, covers mobile/off-site work, and offers limits high enough to protect your business in the event of a lawsuit.
Yes, our policies cover services performed at your business location, your clients’ homes, or other off-site locations, so long as they fall within your insured operations.
BeautyGuard provides esthetician insurance, designed to protect your skin care business, so you can focus on delivering glowing results.
