Beauty Professionals
Liability Insurance
Protect Your Career with Beauty Professionals Liability Insurance
Our beauty professionals liability insurance coverage offers necessary protection for those in the beauty and wellness industry. This comprehensive coverage includes both general and professional liability, helping protect you from bodily injury or advertising injury claims that may arise from your services.
Whether you own a salon or teach independently, our policy includes malpractice insurance, identity theft protection, and occurrence form coverage for ongoing peace of mind. Backed by a trusted insurance provider, you’ll get high coverage limits, instant coverage, and exclusive member benefits designed specifically for beauty professionals.
From cosmetologists to esthetics, this liability insurance gives you financial protection and supports your beauty business needs—so you can focus on what you do best.
Focus on helping your clients achieve their best—we’ll handle the rest!
Beauty Professionals Insurance Cost
$169 - 1 Year
Our Beauty Professional insurance, or cosmetology liability insurance policy is tailored by years of experience just for practitioners. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. This Beauty Professional liability insurance policy is designed for beauty and bodywork professionals who work fewer than 10 hands-on hours per week but still want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Beauty Professional liability insurance policy that saves you $39 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.
Our professional Beauty Professionals insurance policy is tailored by years of experience just for professionals. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
Already insured & looking to renew?
What Our Beauty Professionals Insurance Covers
Beauty Professionals insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Liability Insurance for Beauty Professionals Therapist 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 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.
Personal & Advertising Injury Coverage: This coverage can provide financial assistance to Beauty Professionals if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if a Beauty Professional's marketing materials inadvertently include false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during a beauty service. If a client reports an injury during the service, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Protection Plan: Today’s Beauty 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.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Beauty Professionals Therapy?
A beauty professional is someone who provides beauty services designed to improve a client’s appearance, well-being, or confidence. This includes cosmetologists, estheticians, makeup artists, nail technicians, and salon owners, whether they work independently or as part of a beauty business.
From hair styling and skincare treatments to makeup application and waxing, beauty professionals deliver specialized professional services, and those services come with risks. That’s why having beauty professionals' liability insurance is so important. It helps protect you from liability claims, bodily injury, and other unforeseen risks, allowing you to work with confidence and peace of mind.
Do I Need Beauty Professionals Liability Insurance?
Absolutely! Having Beauty Professional liability insurance is a smart move—and in some cases, it’s even required by law. Every state has different regulations, so it’s important to stay informed and make sure you’re covered.
Insurance isn’t just about meeting legal requirements—it’s about protecting yourself from unexpected situations, like a client experiencing an injury during an appointment or a misunderstanding about treatment results. With the right coverage, you'll focus on helping your clients perform at their best without worrying about potential risks.
Don't take chances with your career—get the protection you need and practice with confidence!
What Should I Look for in a Beauty Professionals Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like sports massage, Swedish massage, yoga, and cosmetology. Its features should include identity protection and access to health benefits. Instant coverage options, the ability to add unlimited additional insureds, and personal injury protection are highly important for comprehensive security. Also, look for policies offering free continuing education, member discounts, and flexible payment plans.
Our Beauty Professional insurance policy is designed to check all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have the most complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
What does professional liability coverage include for beauty professionals?
Professional liability coverage protects you from claims arising from services you provide—like haircuts, facials, waxing, or other beauty treatments. It covers legal fees, medical expenses, and legal defense fees if a client alleges negligence or injury or is unhappy with your work.
Who needs esthetician or cosmetologist insurance?
Anyone offering professional wellness services—from independent contractors to those who own a salon—should have esthetician insurance or cosmetologist insurance. It helps protect you, your clients, and your career from unexpected general liability claims or lawsuits.
Is discounted coverage available for new beauty professionals?
Yes! Many providers, like Elite Beauty Society, offer discounted coverage for students or newly licensed professionals. It’s a great way to access reliable protection while you grow your salon business.
What kind of insurance company should I choose?
Look for an experienced insurance carrier or insurance company that understands the beauty industry. They should offer customizable cosmetology insurance policies, proof of insurance, and high coverage limits for both general and professional liability.
Does beauty salon insurance cover legal expenses?
Absolutely. A solid beauty salon insurance policy includes coverage for legal expenses, legal costs, and legal defense fees—which is important if a client files a lawsuit related to services or personal injury claims.
Can I get nationwide coverage with my cosmetology insurance policy?
Yes, many insurance providers offer nationwide coverage, allowing you to practice across state lines or move your business without losing protection. Just make sure your insurance provider offers an occurrence form policy that protects against past claims arising from when the policy was active.
Do I need insurance if I rent space inside a salon?
Yes! As an independent contractor, you’re responsible for your own liability coverage. Even if the salon carries business insurance, you’ll need your own professional liability coverage to protect your individual services.
Why is proof of insurance important in the beauty industry?
Proof of insurance shows clients and employers that you’re serious about your work and prepared for universal risks. It can also be required by landlords, booking platforms, or licensing boards—making it an essential part of any beauty professional’s toolkit.
