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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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 you are a beauty professional, and you 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 that we deal with here at Zensurance are aestheticians, lash technicians, hairstylists, and even microblading specialists and laser technicians. 

Additionally, if you are an independent contractor who operates in a salon or spa, you might even be required to have an insurance policy prior to 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 claims of negligence or even improper treatment related to treatments you provide to your clients. 

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

There are additional policies we can add on. Two really popular ones that we see are 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 in the event that 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; there are many factors that go into how the cost of your insurance policy is calculated. Just to name a couple of them, factors include:

  • What types of salon services 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?

Insurance for beauty professionals is designed to provide coverage for common risks associated with beauty services, including equipment- and treatment-related accidents and injuries.

Coverage

What does Beauty Insurance cover?

Beauty Insurance is an umbrella term that may be used to describe several insurance policies that when combined provide comprehensive financial coverage for beauty professionals. A comprehensive policy package typically includes:

Requirements

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:

  • Estheticians
  • Nail Technicians
  • Lash Technicians
  • Hair Stylists
  • Laser Hair Removal Technicians
  • Spa Owners
  • Salon Owners
  • Microblading Professionals
Costs

What is the cost of Beauty Insurance?

For a low-risk, small-business you can expect to spend approximately $450 annually on a Commercial General Liability policy with a $2M limit.

The cost of a Beauty Insurance policy will vary according to factors such as:

  • Services Offered
  • Years of Experience
  • Claims History
  • Training and Education

Your beauty business is unique and so is your insurance policy. Speak with a broker to determine the best policy plan to suit your business needs.

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

Problem: You perform a laser hair removal service for a client, but accidentally burn them, scaring their face.

Outcome: Your client successfully sues you for bodily injury. Your Commercial General Liability Insurance covers the legal fees and medical expenses, totaling $79,000.

Beauty Insurance

Problem: While performing a wax, you accidentally misjudge the temperature of the wax.

Outcome: Your client suffers from second-degree burns and successfully sues you for negligence. Your Professional Liability Insurance covers the legal fees and medical expenses, totaling $32,000. 

Commercial Insurance for Contractors

Problem: Your client has an allergic reaction to the products you use when applying makeup before a big event.

Outcome: Your client successfully sues you for bodily harm. Your Product Liability Insurance covers the legal fees and monetary judgement, totaling $19,000. 

Frequently Asked Questions about Beauty Insurance

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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