Your Next Job Oct 15, 9am-5pm Covered

Beauty + Cosmetology Insurance

Business insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities
Get a Quote

Get an hourly, daily, or monthly
insurance policy in 60 seconds

Starting at just $5

On-demand Coverage

Coverage only for the hours and days you work—never overpay.

Instant Certificates

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

Thimble offers easy, affordable, and flexible protection for beauticians, hairdressers, and cosmetologists.

Policies start at just $5/hr
"As a new business owner, Thimble made sure I got a policy that accommodated my actual needs, rather than overselling me with a bunch of bells and whistles." Kgoody, Haircare Specialist

Beauty + Cosmetology Insurance — Simplified.

Why do I need a cosmetology insurance policy?

Whether you are a hairstylist, esthetician, or salon owner, you help your clients feel their best and take on every challenge that comes their way. Shouldn’t you do the same for your business? A Thimble insurance policy can give you the peace of mind you need to propel your business to new heights.

How much does cosmetology insurance for beauty professionals cost?

Business Liability insurance policies for beauticians start at $5/hour with $1 million in coverage and $0 deductible.

Add as many Additional Insureds as you’d like for free.

Get a Quote

Our affordable liability insurance policies for beauticians are possible because they are based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it one of the most affordable options on the market for on-demand beauty insurance.

How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.

What does beauty and cosmetology liability insurance cover?

Both General Liability and Professional Liability coverage are included in the Beauty and Cosmetology Liability policy. The General Liability Insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. General Liability Insurance also covers legal fees and medical coverage associated with the claim. Professional Liability Insurance protects your small business against claims of errors and omissions or negligence. If a client claims that you’ve done your job improperly, your professional indemnity insurance policy can be used to cover any associated costs.

Bodily Injury
One of your regular clients comes in for a facial. While she is walking in the reception area, she slips on a puddle of water and injures her knee.

3rd Party Property Damage
While trimming a client’s hair, the expensive gold chain they are wearing gets caught in your trimmers and is damaged. That’s not the look you were going for.

Defense Costs
You are renting a booth at a hair salon, and the salon owner claims that you stained her floor with the dye products that you had been using. She takes you to court in an attempt to get you to replace her floor. Knowing that it was not your fault, you defend yourself in court. With a General Liability policy through Thimble, these fees would be covered.

Medical Coverage
A client has an allergy noted in her file. You use the wrong type of glue when applying her eyelashes, and she has an allergic reaction that has some pretty hefty medical bills associated with it. Your General Liability policy will cover the expenses she incurred.

Errors and Omissions
You are a hairstylist, and one of your clients is a model. She comes in to get her hair dyed platinum blonde, but the end result has a greenish tint. As a result, she loses out on a high-paying modeling gig.

Who is covered under the beauty insurance policy?

Cosmetology insurance from Thimble is customized to meet the needs of contractors like you. We cover the following professions and activities:

Does cosmetology liability insurance cover independent contractors in beauty salons?

Yes, Thimble’s insurance coverage is designed for independent contractors as we offer unparalleled flexibility in our plans. Our affordable pricing structure means you only pay for coverage when you actually need it.

Have questions? Visit our FAQs

Beauty insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Barbers
  • Cosmetologists
  • Estheticians
  • Hair Stylists
  • Nail Artists
  • Salon Owners
  • Spa Owners

Excluded Activities

  • Acupuncture Services
  • Massage Therapists
  • Tattoo or Piercing Artists
  • Certain specified spa services

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details