Beauty & Cosmetology Insurance

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Expertly sharpened razor blades, precise cuticle nippers, hot curling irons are just a few of the essential tools you need to do your job. You may not be Edward Scissorhands, but you’re exposed to significant risk as a personal care professional.

When your business helps people look and feel great, you need to mitigate risk with cosmetology liability insurance.

With Thimble’s Beauty Insurance, you don’t have to commit to long, expensive policies. Our on-demand business insurance lets you customize your coverage down to the hour, day, week or month.

Who is covered under a beauty & cosmetology insurance policy?

Beauty and cosmetology insurance from Thimble is customized to meet your needs. We cover the following professions and activities:

Not seeing your profession or activity? Search to get covered!

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Quick thinking insurance for small businesses.

Types of insurance beauty businesses need

You love your clients and often build strong relationships, especially when you see them every 8-12 weeks to trim dead ends. However, when someone’s physical appearance is at stake, the risks are higher. Even if you have the most laid-back clients, working with other people exposes you to significant risks daily.

Protect your cosmetology business against the risks of doing business with the right insurance coverage, including:

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General Liability Insurance

General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.

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Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

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Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

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Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

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What does Beauty & Cosmetology Insurance cover?

Non-employee bodily injury

One of your regular clients comes in for a shave. While he is walking to the booth, he trips over a cord and injures his knee. (To cover any employee on-the-job injuries, you need workers’ compensation.)

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 wanted.

Personal and advertising injury

After you update your website, a local competitor claims the design and messaging are too similar to theirs. They could sue you for copyright infringement.

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Beauty & Cosmetology Insurance FAQs

What kind of liability insurance do cosmetologists need?

General liability insurance and professional liability insurance are the most important types of insurance for cosmetologists. If you lease or own your salon or spa, you likely also need commercial property insurance.

How much does cosmetology insurance cost?

Your cosmetology insurance cost varies based on where you work, coverage length and limit, and the size of your team. Based on Thimble policies sold, the median cost of cosmetology insurance ranges from $5 per hour to $35 per month.

Who does cosmetology insurance cover?

Beauty and Cosmetology Insurance by Thimble covers hair stylists, nail artists and technicians, and barbers.

Do beauty professionals need workers’ compensation insurance?

In most states, you are legally required to carry workers’ comp coverage if you hire any employees. (You might even need it if they’re an independent contractor who works with you.) Always check with your state laws to make sure you’re adequately covered.

Does Thimble’s Beauty Insurance cover estheticians?

Currently, estheticians are not eligible for coverage in the program.