Beauty Insurance2019-06-03T13:31:50-04:00

Beauty Insurance

Beauty Insurance is a must for Canadian beauty professionals who provide treatments to individuals.

If a client is unsatisfied they could file a lawsuit alleging malpractice or negligence.

Join thousands of Canadian businesses that are already protected!

Therapist Insurance

What is Beauty Insurance?

As a beauty services provider you interact with clients on a physical level and you apply and sell products that may have adverse consequences. Thanks to your beauty and aesthetic services you help clients look their best but you’re also exposed to liability in case of real or alleged errors, malpractice or injury.

Beauty Insurance should be an important consideration for any practitioner.

What Does Beauty Insurance Cover?

This insurance covers most types of beauty professionals. When getting a policy check that you have coverage for:

  • Professional Liability (Negligence or errors)
  • Unintentional Breach of Confidentiality
  • Claims of Sexual Harassment or Abuse
  • Products Liability including Beauty Products

Who needs Beauty Insurance?

If you are a beauty services practitioner or if you run a salon, spa or wellness clinic, you should consider beauty insurance.

Some specific practitioners we cover are:

  • Cosmetologists
  • Aestheticians
  • Nail Technicians
  • Barbers
  • Electrologists
  • Laser or Hair Removal Technicians
  • Many more…

What is the Cost of Beauty Insurance?

The cost of a policy varies according to factors such as:

  • Operation size
  • Location
  • Experience in the field
  • Past insurance claims
  • Training and education

Get a free beauty insurance quote right here.

Getting insured
is quick and easy!

If beauty insurance is what you need,
request a free quote now >

Common scenarios where Beauty Insurance is useful:

Commercial Insurance Canada Scenario

You perform a laser hair removal service for a client, but during the process she suffers from burns that leave scars on her face and decides to sue you.

Commercial Insurance for Contractors

While performing makeup on a client, one of your makeup products causes an allergic reaction on her skin and the client sues you for using unsafe products.

Commercial Insurance for Restaurants

While performing a wax hair removal service for a client, you misjudge the temperature of the wax. Your client suffers from second-degree burns and decides to sue your for negligence.

Frequently Asked Questions about
Beauty Insurance

Will my beauty insurance policy cover beauticians renting chairs?2019-06-03T13:07:23-04:00

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?2019-06-03T13:07:57-04:00

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?2019-06-03T13:08:25-04:00

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?2019-06-03T13:06:36-04:00

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?2019-06-03T13:06:06-04:00

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.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.

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Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.

★★★★★

Chris Chan, Dwello
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The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.

★★★★★

Melissa Kwan, Spacio
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The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.

★★★★★

Reid Horkins, Evree

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have partnered with us to serve you

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