Beauty + Cosmetology Insurance - Simplified.
Why do I need a cosmetology insurance policy?
Whether you are a hairstylist, esthetician, nail tech, 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 Thimble’s cosmetology insurance policy cost?
The cost of your Cosmetology Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your cosmetology business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Cosmetology Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much Cosmetology Insurance would cost you and your business, get a quote from Thimble.
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.
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.
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.
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 a cosmetology 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.
Beauty insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
- Hair Stylists
- Nail Artists
- Salon Owners
- Spa Owners
- 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