Professional Cosmetology Liability Insurance
Elevate Your Artistry And Peace of Mind with Cosmetology Liability Insurance
In the world of cosmetology, where precision meets passion, and creativity knows no bounds, we understand that your craft is more than just a job—it's an art. But with artistry comes vulnerability. That's where we step in. Our cosmetology insurance is tailored to shield your passion, your business, and your reputation from the unexpected.
For as low as $0.41 per day, our professional cosmetology insurance covers most beauty professions, including 450 health & wellness modalities, and saves professionals up to 30% on coverage. See for yourself why our professional cosmetology liability insurance beats the competition.
$169 - 1 Year
Our professional cosmetologists insurance policy is tailored by years of experience just for beauty professionals. We provide perks and benefits other companies don't - such as coverage for more than 450 modalities and a policy that follows you nationwide.
$149 - Part-Time
Work less hours? Pay lower rates. This policy is designed for beauty and bodywork professionals who work fewer than 10 hands-on hours per week but still want high-quality cosmetology insurance coverage.
$289 - 2 Year
Protect yourself with our two-year policy that saves you $49 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Why Choose Massage Magazine Insurance Plus?
Don't let our name fool you, we cover more than just massage therapy. Whether you're a cosmetologist, hairstylist, barber, esthetician or nail tech, our tailored liability insurance provides the protection you need as a cosmetology professional. We're proudly backed by one of the nation's leading insurance providers, guaranteeing top-tier coverage and membership benefits. That's just one of the reasons why we're the trusted choice for hundreds of thousands of professionals in the beauty industry nationwide.
Cosmetology liability insurance from MMIP provides both professional & general liability coverage along with additional coverages to help safeguard your career and provide the best all-around protection possible.
Our Cosmetology Insurance Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. Coverage here applies to injuries or property damage to third-party individuals in and around your place of business. A client tripping over a loose front door mat and injuring themselves is an example of an event that would fall under this coverage type.
Rental Damage Coverage: Many cosmetology professionals rent space in order to provide their sessions to clients. All it can take is a simple misstep from a client or other visitor to your space and you’re suddenly facing damages to your rental premises. When this occurs, our protection plan provides all the way up to $150,000 to help cover the costs of repairs.
Professional Liability Insurance: Also called “malpractice coverage” this protection is for the actual services you provide during a session. If a client reports an injury or somehow has their property damaged during treatment, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Stolen/Damaged Equipment Protection: You rely on your equipment in order to provide a session so a robbery-by-force can be both a harrowing experience and also costly having to replace what was taken. That’s why our plan includes up to $2,000 to cover the costs of replacement with a low $250 deductible.
Product Liability Insurance: To provide a great session for your clients, you’ll likely use a number of different instruments and tools. When equipment malfunctions, or a client has a bad reaction to something in one of the products you used, they may require medical attention. Afterwards, the client may demand you pay for all their costs since it was your product that caused their injury. Claims like this would fall under product liability coverage.
Identity Protection Plan: Today’s cosmetology professionals are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in identity restoration services.
Personal Injury & Advertising Coverage: This coverage can provide financial assistance to cosmetology professionals if they become legally obligated to pay damages that arise from claims related to false advertising, libel or slander or copyright infringement. For example, if a MT's marketing materials inadvertently included false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Full Suite Protection: It’s the full suite of protections offered in our plans that provides the best level of security possible from all the types of risks facing today’s cosmetology professionals. We’ve designed our plans to be an effective safeguard so that our members can focus on providing great treatments to clients, rather than what their insurance covers.
Additional Membership Benefits
Free online continuing education courses
Over $1,800 in industry discounts
Access to health, vision, dental, and disability coverage plans
Common Beauty Professions We Cover
General And Professional Liability Limits
What is cosmetology liability insurance?
Cosmetology liability insurance is a specialized form of coverage designed for professionals in the beauty industry. It addresses the unique risks they face, such as claims arising from treatments, procedures, or products that might result in injury, dissatisfaction, or damage. This insurance ensures that cosmetologists are financially protected against potential lawsuits or claims from clients, covering legal fees, settlements, and other associated costs.
Our cosmetology liability insurance also covers general liabilities, such as accidents or injuries that occur within the salon or workspace. Whether it's a client slipping on a wet floor or an adverse reaction to a skincare product, cosmetology insurance provides a safety net, allowing beauty professionals to operate with confidence and peace of mind.
Why do I need cosmetology liability insurance?
Even the most meticulous professionals can encounter unforeseen challenges. Cosmetology liability insurance is essential for several reasons. It offers protection against potential claims, whether they arise from unintended treatment outcomes, product reactions, or professional advice. Such claims can lead to costly legal battles, and without insurance, the financial burden falls squarely on the professional.
Beyond specific treatments, everyday operations in a salon or beauty space come with risks, such as client accidents or property damage. Liability insurance ensures that these unexpected events don't result in crippling out-of-pocket expenses. In essence, cosmetology liability insurance isn't just a safety measure—it's an investment in the longevity and reputation of one's career, providing peace of mind to focus on delivering exceptional beauty services.
Hear What Our Insurance Members Have To Say
I've been with Massage Magazine Insurance Plus for going on 4 years, they are super affordable and offer great coverage. Their sign up and renew processes are so easy and simple. They even allow me to renew for two years at a time which I love! One less thing to think of! 10/10 recommend
Massage Magazine Insurance Plus is a win win for beauty pros! They have fantastic & helpful customer service whom you can understand. The great coverage options are all at reasonable prices with the ability to add extra insured parties if needed. When signing up, the process is pretty self explanatory & renewing is even easier.
You won’t be disappointed at all!!!!
Massage Magazine Insurance Plus offers great coverage at affordable prices. I have been with MMIP for 3 years and service is professional and prompt.
As a working cosmetologist I recommend to anyone in the beauty industry.
I've been with MMIP for several years.
It's good coverage for a reasonable price.
So easy to renew online.
I highly recommend for your beauty business insurance.
Professional Cosmetology Insurance Frequently Asked Questions
What does this insurance cover?
Our professional cosmetology insurance is designed to actively protect professionals from the many different forms of risks they’ll face every day in the industry. This includes:
- General liability - covers policyholders from third party claims relating to an injury and/or property damage. This type of coverage is deliberately broad (hence, “general”) to cover the many different types of accidents that can happen. A new client tripping over your front door mat can be all it takes to suddenly be facing a general liability claim against you.
- Professional liability - covers the policyholder from claims related to malpractice, or the actual services they were performing when the injury and/or property damage occurs.
- Product liability - covers the policyholder from claims relating to a client having an adverse reaction experienced because of a product used during the session.
- Rental Damage liability - This coverage provides added protection to the space that you are practicing in for damage caused by you or one of your customers. Massage Magazine Insurance Plus is one of the few companies that includes this coverage at no extra charge.
- Stolen Equipment - coverage designed
to protect the policyholder from equipment theft
or damage due to fire, water, etc.; covers the
cost of replacing the stolen or damaged piece of
equipment used in one’s business, but does not
cover damages due to wear and tear or misuse.
- ID Protection - coverage that
reimburses the insured for expenses arising from
How does having insurance benefit my business's reputation?
Carrying insurance not only provides financial protection but also signals to clients that you prioritize their safety and operate a responsible, professional business.
How quickly can I file a claim and expect a response?
Our streamlined claims process ensures swift responses. Once a claim is filed, our dedicated team reviews it promptly, ensuring timely resolutions.
Can I file a claim after my policy expires?
With MMIP, yes you can. Some policies fall under a claims made policy but ours use the industry-preferred type which is occurrence form. Claims made policies are clear cut - you have to file a claim while the policy is still active in order to be considered. If you have a session on the last day of your policy, but a claim comes days later, you simply wouldn’t be able to file for this claim.
Occurrence form coverage takes a more realistic approach and says you can still file a claim after the policy expires as long as the claim event happened during the active term. This important distinction can mean the difference between full coverage and no coverage at all so always make sure your policy uses occurrence form.
Can I add additional insureds to my policy?
Absolutely. There are many occasions where an additional insured is needed on a policy so we make it easy to add as many additional insureds as is needed. As an example, being added as an additional insured may be required by landlords that don’t want to be held liable for something arising from the activities of their tenants.
Does cosmetology insurance cover slip and fall lawsuits?
Slip and fall accidents are unfortunately an all too common type of claim that can happen to anyone who opens their doors for business. General liability coverage is also called “slip and fall insurance” since this type of injury and ensuing claim event is a common category. If your client gets injured or has their property damaged while seeing you to receive services , they may decide to file suit against you to get restitution. With MMIP’s cosmetology liability insurance, you’d have all the way up to $3 million to cover both the costs of the general liability claim and any legal defense fees, if they’re necessary.
Does insurance have an hour qualification?
While some professional cosmetology insurance plans out there do require a certain level of hours of training and/or education, MMIP has no such requirement. We want our cosmetology insurance policies to be as accessible to professionals as possible, no matter where they find themselves in their careers.
How much does professional cosmetology insurance cost?
Cosmetology professionals can get our all-encompassing insurance policy tailored for your career at the low annual rate of just $169. Part-time policies began at $149.
Is liability insurance worth it?
This is a question we receive often, especially from first time teachers considering foregoing the cost of cosmetology insurance and just taking their chances. Our cosmetology insurance policy was tailored for health & wellness professionals who want the security of a solid plan safeguarding their practice in multiple disciplines love. At just $169 per year, or around $14 per month, each policyholder gets millions of dollars worth of insurance coverage types, additional protection mechanisms built-in, and a whole suite of awesome member benefits that are available to use immediately.
What's the process for renewing or updating my policy?
Renewing or updating your policy is simple with our user-friendly platform. Plus, our team sends timely reminders to ensure continuous and uninterrupted coverage.
I work for a beauty spa, why do I need my own insurance?
Beauty spas do usually carry some insurance for their employees, but this can be a small amount of coverage and commonly they’ll have shared annual aggregates. This means that the coverage amount can be depleted by other members in the group before you get a chance to use it. To get the peace of mind knowing you’re covered no matter what, and at just $169 per year, having your own cosmetology insurance policy is the way to go.
Am I covered internationally by my policy?
Your Massage Magazine Insurance Plus policy does not include coverage internationally. Currently, our policy covers you throughout the 50 United States.
Whether I practice in a spa or a client’s home does my policy protect me?
Your cosmetology insurance policy is flexible and travels with you. Whether you are providing massage services to clients in the comfort of their own homes or you are working at a local spa, you are protected.
The massage liability policy from Massage Magazine Insurance Plus provides peace of mind and the ability to grow your massage practice as much as you desire.