Cosmetologist insurance is designed to protect beauty professionals from costly setbacks like accidents, property damage, and liability claims. With coverage you can trust, you’ll have peace of mind to focus on growing your business and serving clients with confidence.
From makeup application to hair waxing, our insurance protects a full range of beauty treatments you may perform.
Cosmetologists face unique risks every day. BeautyGuard offers complete beautician insurance solutions to protect your equipment, operations, and income, so you can grow with confidence.
One lawsuit or claim can disrupt work, drain finances, and harm reputations. BeautyGuard offers liability insurance for cosmetologists 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:
No matter how talented, cosmetologists encounter unexpected risks. These real-life claim scenarios (excluding legal defense costs) reveal how your coverage can safeguard your work and livelihood.
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.
Yes. Even a single client reaction or injury could lead to a costly claim. General and professional liability insurance help protect you from these risks, whether you work in a salon, on location, or at events.
Yes. Liability insurance protects beauticians/cosmetologists from claims involving client injuries, allergic reactions, infections, property damage, and legal defense costs. Without coverage, these expenses would be paid out-of-pocket by you.
Coverage may be provided for claims of injury, allergic reaction, infection, and client property damage—all of which may include legal defense counsel and costs. Cosmetology liability insurance may also include property damage for your tools and supplies.
Most makeup artists pay around $300 to $500 per year for coverage, however, the cost of insurance for cosmetologists depends on location, services offered, and coverage limits.
Yes. Even if you rent a salon suite or booth, you’re typically still responsible for your own property and liability. Many suite rental agreements require proof of insurance before you can move in.
Yes. Our policy can cover you while providing services at your salon, clients’ homes, events, or other off-site locations, so long as the services provided are within your insured operations.
BeautyGuard provides tailored cosmetologist insurance, protecting your income and reputation so you can give your best to every client.
