personalcare.insureon.comPersonal Care, Beauty & Cosmetology Insurance | Insureon

Personal Care, Beauty & Cosmetology Insurance | Insureon Small Business Insurance Browse by Insurance Policy General liability insurance Workers’ compensation insurance Professional liability insurance Errors & omissions insurance Business owner’s policy Commercial auto insurance Cyber insurance Commercial property insurance Commercial umbrella insurance Product liability insurance Tools & equipment insurance View all business insurance policies Industries We Insure BROWSE BY INDUSTRY Building design Cannabis Cleaning services Construction Consulting Finance & accounting Food & beverage Healthcare professionals IT / Technology Landscaping Media & advertising Personal care Photo & video Real estate Retail See more industries we insure Business Resources Learn more about Business Insurance Types of business insurance Business insurance costs Insurance questions and answers Insurance terms State requirements Best small business insurance companies Certificate of insurance Video library Small Business Blog Starting a business Growing a business Business insurance tips See all posts Need a policy recommendation? Answer 3 questions.Learn more about Insureon Contact us Customer reviews Our insurance partners How Insureon works Our story Editorial process Careers Log in Get Quotes Personal Care, Beauty, and Cosmetology Insurance What kind of work do you do? Get Quotes Or call us at (800) 688-1984 Choose from the nation’s best insurance providers Small business insurance Industries Personal care Top personal care businesses we insure Insureon has helped small businesses secure over 1.5 million policies. Back Next Medical spas Hair and beauty salons Estheticians Permanent makeup artists Nail salons Massage therapists Day spas Barber shops Makeup artists Cosmetics stores Don’t see your profession? Don’t worry. We insure most businesses. Recommended insurance policies for beauty and personal care professionals From barbershops and nail salons to microblading and massage body work, your business can survive costly accidents with the right coverage. Gain financial protection against property damage, injuries, and lawsuits with policies designed for personal care professionals. General liability insurance This policy covers common cosmetology and personal care risks, such as a customer injury at a salon. Bundle it with commercial property insurance for savings in a BOP. BEST FOR Slip-and-fall accidents Damage to a customer’s personal property Product liability insurance Get Quotes Learn More Business owner’s policy A BOP bundles commercial property insurance and general liability coverage at a discount. It’s typically the most cost-effective way to insure a personal care or cosmetology business. BEST FOR Customer bodily injuries Damaged business property Business interruption incidents Get Quotes Learn More Professional liability insurance Professional liability insurance for estheticians and other beauty professionals, also called malpractice insurance, covers lawsuits related to work quality. BEST FOR Lawsuits over harm caused by a treatment Failure to produce promised results Mistakes, such as wrong hair dye Get Quotes Learn More Workers’ compensation insurance Most states require workers’ comp for beauty industry businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny. BEST FOR Employee medical expenses Disability benefits Lawsuits over employee injuries Get Quotes Learn More Cyber insurance Cyber insurance covers costs related to data breaches and cyberattacks. It’s strongly recommended for personal care businesses that handle credit card numbers, email addresses, and other personal information. BEST FOR Data breach notification costs Fraud monitoring services Cyber incident investigations Get Quotes Learn More Commercial auto insurance Commercial auto insurance covers the cost of accidents involving a vehicle owned by your personal care business. Most states require this coverage for vehicles owned by a business. BEST FOR Property damage caused by your vehicle Legal costs from auto accidents Vehicle theft and vandalism Get Quotes Learn More Looking for different coverage? See more policies. How much does personal care, beauty, and cosmetology insurance cost? Several factors contribute to the cost of insurance coverage for barbers , med spas , and massage therapists , including: The type of services offered, such as permanent makeup or spa treatments Business equipment and property Your annual business revenue Where your business operates Number of employees on staff Deductibles and other insurance options View Costs How do I get personal care business insurance? It’s easy to get business insurance for estheticians , barbers, makeup artists , and masseuses if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps: Complete a free online application Compare insurance quotes and choose a policy Pay for your policy and download a certificate for proof of insurance Insureon’s licensed insurance agents work with top-rated U.S. companies to find the right insurance plan for your personal care business, whether you’re an independent contractor, salon owner, or run a day spa . Verified business insurance reviews Hear from customers like you who purchased small business insurance. Common questions about personal care and cosmetology insurance policies Do I need cosmetologist insurance if I’m self-employed? If you’re a self-employed hairdresser or makeup artist, you might not be required by law to carry insurance. However, having coverage can help you fulfill the terms of a contract, such as renting a booth in a salon or barbershop. It also boosts your credibility and protects your business from financial risks in the event someone sues you. Depending on your line of work, your state might require you to carry a professional liability insurance policy to provide specific beauty services or work at certain facilities. A type of cosmetology liability insurance, this policy covers lawsuits from clients who claim your services caused harm. Your personal auto and health insurance policies likely won’t cover work-related incidents, such as a car collision involving a business-owned vehicle or an on-site work injury. That means you might have to pay hefty medical bills or state penalties for not having the proper insurance. If you drive your own vehicle for work, you may want to consider hired and non-owned insurance (HNOA) . And if you operate a mobile salon business with a company-owned van, you’ll likely be required to carry commercial auto insurance . Carrying a workers’ compensation plan, even if you have no employees, can financially protect you if you’re unable to work due to an on-the-job injury or illness, as well as cover your medical expenses. Do I need a license for my personal care business? Every state has licensing requirements for personal care providers, beauticians, and cosmetologists. Most professional cosmetologists and beauty providers are required to complete schooling, such as cosmetology school, nail technician school, or esthetician school, before applying for a license. Some professions require additional licenses depending on the services you intend to offer. In fact, a few states require a specific license if hairstylists offer braiding services. And to work as a nail technician , either as your own boss, at your own salon, or as a manicurist for someone else, you must obtain the proper license. Failing to meet your state’s requirements and working without a license or certification could result in hefty fines from your state board of cosmetology or your local department of health. Do I need social media insurance for my personal care services business? Sharing customer photos on social...