Beauty Liability Insurance 
You Can Trust

Our professional beauty insurance actively protects 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. 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 an injury occurs. 
• ID Protection - coverage that reimburses the insured for expenses arising from identity fraud.

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 while seeing you to receive services , they may decide to file suit against you to get restitution. With MMIP’s beauty 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.

Beauty 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.

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 beauty insurance policy is the way to go.

Your beauty 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.