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Esthetician insurance, simplified.
Why do I need an Esthetician Insurance Policy?
As an esthetician, you provide your clients with the confidence and wellbeing that comes from looking better, feeling better, and knowing they just did something great for themselves. You see how that confidence makes your clients happy.
You deserve to enjoy the same confidence when running your esthetician business. Whether you provide waxing services, facials, mani/pedis, or airbrush tanning, there are a lot of chemicals, piping hot substances, and specialized equipment lying around.
A single allergic reaction to an essential oil or chemical peel could result in a huge medical bill and bodily injury claim from one of your clients. If you’re not protected with an esthetician insurance policy, you may find yourself personally responsible for paying those costs, along with the fees of hiring an attorney to defend yourself. It’s the kind of thing that can put you out of business quickly.
When their beauty is on the line, people can be especially litigious. Burns from waxing, rashes from facials, and scars from hair removal can all lead to a bodily injury claim. Moreover, a client can bring a professional negligence lawsuit against you, claiming that you should have known the appropriate temperature or amount of pressure to use to avoid injuring them, or asked them about any potential allergies prior to their treatment.
Beyond the risk of potential injury, you could also be held liable if your client suffers property damage while you perform your services. If you spill wax on their designer handbag or knock over an expensive family heirloom during an in-home treatment, they can sue you.
This is why all estheticians need General Liability and Professional Liability insurance. General Liability insurance protects estheticians from third-party claims of bodily injury and property damage that may arise out of their work, whether you travel to your client’s homes, rent your own salon space, or are still training to be an esthetician. Professional Liability insurance for estheticians protects you from claims of negligence, errors, or mistakes related to your professional services.
Do something great for your business. Protect yourself with esthetician insurance from Thimble and enjoy the confidence that comes from running a business, protected from risk.
How much does Esthetician Insurance cost?
The cost of your Esthetician 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 esthetician business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible esthetician 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 esthetician insurance would cost you and your business, get a quote from Thimble.
What is covered under the Esthetician Liability Insurance policy?
The General Liability and Professional Liability insurance arranged by Thimble is designed to protect estheticians from liability in situations like the following:
While preparing a seaweed wrap for your client, the client becomes claustrophobic. She rushes to leave the room before you can turn on the lights to help her get oriented. She trips and falls, injuring herself and spraining her ankle. She expects you to cover the costs of her ER visit and rehabilitation.
3rd Party Property Damage
You’re performing a facial in your client’s home. You accidentally knock over some of your oils and they fall on her expensive couch nearby, permanently staining it, as well as her designer handbag. The client expects you to reimburse her in full.
You did the makeup for a bride and her bridal party at a wedding. Later on, two of the bridesmaids suffer an allergic reaction and bring a lawsuit against you. You have to pay for an attorney as the case goes to trial, even if it’s ultimately found the allergic reaction was caused by food.
You’re giving a client a Brazilian wax, and the wax gets too hot. The client suffers severe burns and sues you to pay for her medical costs.
Errors & Omissions
Before an aromatherapy session, you failed to ask your client if they had any allergies. The client was severely allergic to one of the essential oils you used, and developed an embarrassing rash. As a result, they were unable to attend an important paid appearance. They’re now suing you for negligence.
How quickly can I get a Certificate of Insurance?
As soon as you need it. Get your free insurance quote and purchase your policy in less than 60 seconds. Your Certificate of Insurance is sent to your inbox moments later.
Is there a beauty conference, special event, or bridal show you’re hoping to work a booth at? In order to apply and be approved as a vendor, the event manager will want to see your Certificate of Insurance. With fast, flexible coverage from Thimble, you can show it to them within seconds.
You can even download your Certificate of Insurance before your coverage terms begin. You can schedule your coverage to begin at any date up to six months in advance. If the client doesn’t book you, you can cancel your policy risk-free, up to 1 hour before your coverage is set to begin.
Need to make changes to your policy? No problem. You can add and modify your Additional Insureds as often as you need to, right from the Thimble App.
The salon I work for already carries business insurance. Do I need my own Esthetician Insurance policy?
Do you ever sell your esthetician services as an independent contractor? Whether you have a successful side hustle or you provide facials for the occasional bridal party, the answer is yes. The business coverage your salon carries only applies to the work you do while employed for them.
Having your own esthetician insurance policy is a good idea even if your salon already has insurance. You never know the specific details of their coverage, and how it applies to the liability you may incur while working for them. For example, injured third parties can still name you as an individual in a lawsuit, in which case you’ll need to hire your own attorney. If you have your own esthetician insurance policy, you’ll have coverage for those attorney’s fees and other legal defense costs. If you don’t have your own insurance policy, you won’t.
You also need your own esthetician liability insurance if you rent space at a salon or spa, but otherwise operate as an independent contractor. In fact, most salon owners will not rent space to you if you don’t carry your own esthetician insurance.
The bottom line: Every esthetician can benefit from a General Liability and Professional Liability insurance policy, whether you work in a salon, sell your services on the side, or operate completely independently. It’s the best way to know that you’re protected from liability for third-party claims of bodily injury or property damage.
What are the Esthetician Insurance policy limits?
With Thimble’s esthetician insurance, you can select a policy limit of $1 million or $2 million, depending on the needs of your esthetician business and the level of risk you would like to be insured against.
Are workplace injuries of my staff covered?
No, General Liability insurance only provides coverage for injuries to third parties, not your staff. If you hire other estheticians to help you work larger events or to provide complementary services, you may want to consider purchasing a workers’ compensation policy. This type of insurance provides coverage for accidental injury sustained by your employees and subcontractors.
Does Thimble’s Esthetician Insurance cover damage to my equipment?
No, General Liability insurance only provides coverage for damage to your client’s property or that of a third-party. If you’ve purchased your own esthetician equipment, or use a vehicle just for work, you may want to purchase a commercial property or auto insurance policy.
How do I get Esthetician Insurance with Thimble?
With Thimble, insuring your esthetician business only takes a minute. Tell us a few details about your esthetician services, your zip code, and desired coverage length (choose from hourly, daily, or monthly policies). Then we’ll give you an instant quote, outlining your esthetician insurance costs. Click to purchase and you’ll receive your Certificate of Insurance instantly.
Get your esthetician insurance quote now.
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