Esthetician Insurance

Freelance Estheticians

One of the many benefits of working as a freelance esthetician is the ability to be your boss; you set your schedule, set your prices, and increase your value with specialized packages.

As an esthetician, your career opportunities are bountiful; however, operating as a freelance business owner can be risky from an insurance perspective. Unless you are working full-time at a spa or salon, you are unlikely to be covered by an employer, meaning you need comprehensive insurance that goes with you wherever you train. Suppose you provide services at multiple locations, including a client’s home. In that case, general liability insurance is necessary to cover any injuries resulting from business-related activities, as well as accidental property damage. Likewise, if you offer services from your own home, it is essential to note that most homeowner’s policies exclude any accidents or injuries resulting from your services.

If you sell or manufacture products, such as cosmetics or skincare, product liability insurance is required to cover claims alleging product-related bodily injury or property damage, such as a chemical burn. Professional liability insurance may provide coverage for any claims of negligence or malpractice. For independent practitioners who rent space at a spa or salon, you are most likely not covered by the owner’s business insurance policy. If you are renting space or offering services at their location, consider purchasing insurance to protect yourself from being held liable for claims or lawsuits resulting from your services.

Suggested Coverage:

• Commercial General Liability Insurance
• Product Liability Insurance
• Professional Liability Insurance

Spa Owners

Comprehensive spa insurance covering services, managing employees, equipment, and general business liability risks is essential to your business’s success. While you likely already carry the required general liability and commercial property insurance to rent or lease your space, several other policies are essential to protect your business from claims and lawsuits fully. Most commercial property insurance policies include contents coverage, which covers loss or damage to your stock, inventory, or equipment in the event of an insured loss, such as a fire or flood.

Spa business owners who sell or distribute products are advised to look into adding product liability insurance to their policy, which covers injuries or property damage resulting from a product you manufacture, sell, or distribute. These types of injuries are commonly the result of a label, marketing, or design defect. A malpractice insurance policy can protect your business from claims alleging negligence, misconduct, or failure to deliver a service as promised. If you store any client data, use a Point of Sale or scheduling software (e.g., JaneApp, MindBody), Cyber Liability Insurance may help your business recover from cybercrime and the associated legal fees.

Suppose you have full-time employees working at your studio. In that case, they are likely covered by your liability insurance however, it is essential that your coverage limit applies to all employees of your business, not each employee (e.g., $2M for all 15 employees vs. $2M per employee). To accommodate all of your employees, you may wish to increase your limit. An alternative is to ensure any estheticians who work for you on a contract or rent space carry liability insurance.

Suggested Coverage: 

• Commercial General Liability Insurance
• Commercial Property Insurance and Contents Coverage
• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance