We recommend that, as an independent contractor/self-employed professional, you have your own insurance. Since most salon owners who booth rent do not provide insurance for independent contractors, you could be risking your income and professional reputation by not having insurance. Cosmetology insurance helps you protect business finances from bodily injury, property damage, and professional liability claims. At the minimum, you will want your cosmetology insurance to include general liability, and professional liability coverage, but you should always consider covering your business personal property, too.
Cosmetology covers a wide range of fields. Each professional has individual insurance needs. Whether you work for yourself or within a salon or medical spa, it’s essential to have the right insurance coverage to protect your personal financial assets and business reputation.
Which Cosmetology Professions Need Insurance?
- Hairstylist/HairDressers Insurance
- Beauticians Insurance
- Barbers Insurance
- Estheticians Insurance
- Small salon owners Insurance
- Nail technicians Insurance
- Make-up artists Insurance
- Gym/yoga/Pilates/fitness instructors
Do I need Cosmetology Insurance?
Yes. There’s always the risk of allergic reactions or skin irritation when you put makeup on someone’s skin. In addition, you could also be held liable if your products stain or damage the premises where you’re working. With the right cosmetology insurance, medical care, legal fees, repairs, or other claim expenses may be covered.
How much does cosmetology insurance cost?
Policies can be easily purchased in minutes with our online form. There is no waiting for a quote, and your policy is effective as soon as your online payment processes.
How Much Cosmetology Insurance Do I Need?
While the owner of the salon or spa has professional liability insurance, you may still be required to have your own insurance policy if you’re renting space. If this isn’t a requirement, it’s a wise decision to purchase insurance anyway. You have to understand how your policy protects you to make sure you’re getting the amount of protection you need.
When should I buy liability insurance?
A: Since many locations request, if you are self-employed, that you carry your own coverage even before you start at their location, you should consider buying insurance when you are actively pursuing a location to provide cosmetology, currently at a location providing service, or even as a student when you are being trained and waiting for your license.