Professional Cosmetology Liability Insurance

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.
  
• ID Protection - coverage that
  reimburses the insured for expenses arising from
  identity fraud.

Carrying insurance not only provides financial protection but also signals to clients that you prioritize their safety and operate a responsible, professional business.

Our streamlined claims process ensures swift responses. Once a claim is filed, our dedicated team reviews it promptly, ensuring timely resolutions.

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.

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.

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.

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.

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 $159.

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.

Renewing or updating your policy is simple with our user-friendly platform. Plus, our team sends timely reminders to ensure continuous and uninterrupted coverage.

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.

Your Massage Magazine Insurance Plus policy does not include coverage internationally. Currently, our policy covers you throughout the 50 United States.

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.