Beauty Insurance

Beauty Insurance

No profession is error-proof and as a beauty professional, you carry a lot of responsibility.
Protect yourself and your business with beauty insurance.

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Zensurance - Beauty Business Owner
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Insurance for beauty professionals

In the heart of any town or city, there’s likely a variety of stores offering beauty treatments. Of course, there’s a simple reason for this, everyone likes to look good! 

Clients put their trust in beauty professionals to provide a safe and reliable service – and they want to walk away feeling great. Whether they’re visiting your business for a haircut, pedicure, massage, it’s important to make sure they’re well looked after throughout their treatment. Even if you take every precaution, there is always a risk that an accident could happen beyond your control. For example, beauty salons contain dangerous equipment such as professional-grade chemicals and sharp tools that could injure a client. And in a bigger loss (e.g. a fire or flood) expensive equipment could be damaged. It’s important to protect yourself, your clients, and your business with a risk management strategy.

As beauty professionals, we know your business risks are unique. We’ve helped more than 100,000 entrepreneurs protect their businesses with insurance policies that are designed to cover their needs.

At Zensurance, we’ve made it our mission to make insurance as accessible as possible. Below you’ll find helpful information to get you started on the basics of beauty insurance.

Hi, my name is Ryan, and I’m a business insurance broker specialized in Malpractice Insurance for beauty practitioners at Zensurance.

If you’re a beautician or a beauty professional and perform beauty or skin treatments in Canada, you’re probably aware of all of the potential risks that come with your profession.

Say, an adverse skin reaction that leaves permanent marks on a client’s face or an accidental eye injury when performing an eyelash extension. Those are just some of the scenarios that can call for beauty malpractice insurance.

Some of the common specialties we deal with here at Zensurance are estheticians, lash technicians, hairstylists, and even micro-blading specialists and laser technicians. 

Additionally, suppose you are an independent contractor who operates in a salon or spa. In that case, you might even be required to have an insurance policy before performing any beauty treatments in the landlord’s location.

So, what types of insurance policies do beauty practitioners need?

Well, there are two basic ones. The first one is a Commercial General Liability Policy. It’s simple; it protects you from claims of property damage or personal injury to third parties. The second type is a professional liability policy. This one’s really important. It protects you from negligence claims or even improper treatment related to treatments you provide to your clients. 

Those two policies usually go hand in hand, and they’re the most basic forms of coverage for beauty practitioners. 

There are additional policies we can add on. We see two really popular ones: contents coverage, which covers your business belongings like furniture and even your beauty tools from things like fire, theft, and flood, among other things. The second one is Business Interruption coverage: This is a really cool coverage; it protects your regular income if your business is halted for some reason, such as a fire at your location or a natural disaster rendering it unusable. 

Additional coverage for specific needs can always be added to your basic policy. You should always talk to your commercial insurance broker for the best advice on add-on options.

So, let’s talk about costs; many factors go into how the cost of your insurance policy is calculated. Some factors include:

  • What types of salon services do you offer; 
  • The approximate revenue expected in the coming year; and
  • Whether you own a salon or work as a sole proprietor.

To get a price estimate for your beauty malpractice insurance, simply head over to www.zensurance.com, click on get a quote, answer a few simple questions, and in a few minutes, you’ll receive your beauty insurance quote. 

What is beauty insurance?

As there are a variety of services found within the beauty industry, there are many factors to consider when insuring your business. For example, a mobile hairdresser would need very different coverage from a hair salon owner. This can make it challenging to find comprehensive coverage that’s right for you.

Our beauty insurance policy packages are specially designed to protect beauty professionals against specific risks associated with beauty services, including equipment- and treatment-related accidents and injuries.

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What does it cover?

Beauty insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, beauty insurance includes the following coverages:

  • Commercial General Liability Insurance: Also known as “slip-and-fall insurance,” CGL is basic coverage that protects you against day-to-day risks that could be encountered while running your business. It protects your business against claims of third-party bodily injury or property damage that occur at your business location. CGL generally covers medical fees and legal expenses, regardless of the lawsuit’s outcome.
  • Commercial Property Insurance: Commercial Property Insurance protects your business location and the property within from an insured peril. An insured peril (an event that is covered by your insurance policy) is a listed risk that occurs beyond your control, such as a fire or theft. There are a lot of components within this coverage, and one of our brokers can happily walk you through the policy to ensure you know what events are covered by this insurance. Commercial Property Insurance policies often include business interruption (a.k.a. business income) coverage, which provides reimbursement for net income lost following an insured event.
    • Please note, business interruption coverage will not cover income lost due to a pandemic, infectious disease, or government-mandated closure.
  • Professional Liability Insurance: Also known as Errors & Omissions Insurance (E&O), PLI offers coverage for misconduct, negligence, or failure to deliver a service as advertised. If a client feels your professional advice didn’t have the expected results, they could sue. For example, a client took your professional advice and purchased a face cream that you assumed was safe for sensitive skin. After using the product, the client has a bad reaction. They then discover the ingredients are harmful sensitive skin so sue you for negligence. Professional Liability Insurance typically covers legal fees and damages, including monetary judgments.
  • Product Liability Insurance: Product liability coverage protects against claims alleging that a product used during a treatment, or sold to a client caused bodily injury or property damage. Damages ordinarily covered by product liability are usually the result of a design, manufacturing, or marketing defect, such as an incorrect label or a lack of safety warnings.

Who needs beauty insurance?

Any professional or business providing beauty services should protect their business from common risks with a Beauty Insurance policy package.

We’ve insured more than 1,000 beauty professionals. Some of our clients include:

  • Spa Owners
  • Salon Owners
  • Spray Tanning Business
  • Microblading Professionals
  • Tattoo artist
  • Teeth whitening hygienist
  • Waxing / Sugaring Specialists

How much does it cost?

Many factors go into the total cost of your beauty insurance policy. To give you a rough estimate, a low-risk, small-business can expect to spend approximately $450/year on a Commercial General Liability policy with a limit of $2M.

Want to make sure you get the best price for your business? We do too. That’s why we’ve partnered with over fifty insurance providers to offer you a variety of options that’ll suit your business needs.

When you complete our online application for a free quote, we will ask questions about your business that will help us to determine what coverage you should have.

Here are some of the main factors we take into consideration:

  • Services offered
  • Years of experience
  • Claims history
  • Training and education
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Beauty business considerations

Spa or beauty salon owners

If you own a spa (or another kind of beauty salon), you need comprehensive coverage to cover the property, your employees, and general business liability risks. Whether you rent or own the location, it’s usually required to have General Liability Insurance and Commercial Property Insurance. Still, several other policies can protect your business from claims and lawsuits unique to your beauty services.

As beauticians often provide professional advice, Professional Liability Insurance could protect your business from claims alleging negligence or misconduct. On a similar note, if any of the products you use or sell are defective, Product Liability Insurance may cover injuries or property damage caused by the product.

Suppose you have full-time employees working at your spa or salon. In that case, they may be covered by your Commercial General Liability insurance. However, your policy limit typically applies to all employees under your policy rather than individual employees. You have the option to increase your limit to accommodate your entire staff. Alternatively, if you offer your space to freelance beauticians, you can ask them to carry their own Liability Insurance. 

Lastly, if you use a booking system to store clients’ data (e.g., financial, medical), it’s your legal obligation to protect this information. Cyber Insurance covers costs like legal fees associated with electronic incidents (e.g., a cyber hack) involving your technology systems and data.

Suggested Coverage:

  • Commercial General Liability Insurance
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Product Liability Insurance
  • Professional Liability Insurance
  • Cyber Liability Insurance

Mobile Beauty Professionals

Working as a mobile beauty therapist allows you to offer treatments at locations convenient for your clients (generally at their homes). From an insurance lens, operating as a mobile beauty professional has unique risks.

Chances are, you work for yourself (an employer does not cover you), so you need comprehensive insurance that travels with you. Suppose you provide your services at various locations. In that case, General Liability Insurance may cover any injuries that occur during treatment (e.g., a client slips on massage oil) as well as any potential property damage at a client’s home (e.g., you dent a floor while setting up your massage table). 

If you distribute, use, or sell beauty products, Product Liability Insurance could provide coverage should a client claim your products cause property damage or bodily injury (e.g., an allergic reaction to the shampoo you use). 

If you provide professional advice that results in an injury, Professional Liability Insurance may provide coverage for any negligence claims filed against you.

Suggested Coverage:

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

Common claims scenarios

Frequently asked questions

Will my beauty insurance policy cover beauticians renting chairs?

No. Unfortunately, beauty insurance only covers your employees. Beauticians who rent a chair in your salon are considered to be contractors and are not covered by your insurance policy, they would have to get their own insurance policies.

How much beauty insurance should I buy?

The rule here is as much as you can afford. You will feel much more confident in your practice knowing you have millions of dollars in coverage. Also if you experience a claim early in the year you may not have enough beauty insurance leftover to continue working because your insurance policy has been depleted!

How do different types of liability insurance apply to me?

There are two main types of beauty liability insurance that apply to your profession and it important to have both. Professional liability insurance for the beauty space refers to lawsuits stemming from your actual services. Beauty commercial general liability insurance refers to accidents like a slip and fall. However, it is paramount to have both for a beauty practitioner because sometimes clients can get hurt during a treatment accidentally, like slipping during a pedicure or getting burned during a wax.

Do mobile beauticians need beauty insurance?

Yes, beauty insurance is not just for beauticians who work at a salon, spa or any spot. Even if you travel to your clients, there is a risk that something may go wrong while you complete your beauty procedure. Insurance claims are very common in the beauty industry and that applies to mobile beauticians too.

Do I really need beauty insurance?

Yes, beauty insurance claims are very frequent in the beauty space. From clients who do not follow post care procedures and experience bodily damage to instagram influencers who feel that your treatment caused them to lose sponsors. Whoever feels that your services caused bodily injury or damage to their exterior image can file a lawsuit with cause. That is why we offer broad beauty insurance.

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You’ve spent your professional life making other people feel great about themselves; you deserve a broker that’s dedicated to making you feel great about protecting your business. 

At Zensurance, we simplify the process of getting beauty insurance so that you get the coverage you need, quick and easy!

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