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Who Needs Cosmetology Insurance?

As a cosmetology business owner and esthetician, you face many risks, so small business insurance is essential. Employee injury from the tools and chemicals used by estheticians is always possible, and workers’ comp is state-mandated for many businesses, so that coverage is important. Incidents like accidental fires in your salon and equipment theft or damage should be covered by a BOP. A commercial auto policy is important if you do any driving for work in a company-owned vehicle—to run business-related errands or travel to a work site like a wedding or TV/film production, for example.

Get a COI for Your Cosmetology Insurance Anytime

You may need a Certificate of Insurance (COI) for some or all of your cosmetology insurance policies. The good news is that you can get them online as soon as you purchase policies from us. If you have questions about our different types of cosmetology insurance, contact us and one of our licensed insurance experts can assist you.

Any Type of Skin and Hair Care Business Needs Cosmetologist Insurance, Including:

  • Beauty parlors
  • Blowout salons
  • Cosmetologists
  • Estheticians
  • Eyelash extension technicians
  • Hair salons
  • Hairdressers
  • Laser hair removal experts
  • Makeup artists
  • Nail technicians
  • Skin care experts
barber cutting hair

What Does Cosmetology Insurance Cost?

Your cosmetology insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get fast, free, self-service quotes for all the policies you need online.

What are the Different Types of Cosmetologist Insurance?

At biBERK, we offer seven different types of cosmetologist insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers’ Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

Workers' Compensationchevron_right

General Liability insurance

Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims by customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You’ll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Professional Liability insurance

Also known as errors and omissions or E&O insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes mistakes on the part of your business (errors) and the failure to perform a service (omissions).

Professional Liabilitychevron_right

Commercial Auto insurance

If your business owns or leases vehicles, this policy provides protection. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

Commercial Autochevron_right

Cyber insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive data such as customer credit card information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Liability lawsuits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company. 

Umbrella Insurancechevron_right
 
Spa owner

How are Cosmetology Professional Liability and General Liability Insurance Different?

Professional liability insurance and general liability for cosmetology businesses both protect you from the costs associated with liability lawsuits. Professional liability insurance is designed to cover liability related to the services you provide. For example, if a model comes into your shop to have you do her hair and makeup before she goes to apply for a modeling job and she later claims the work you did wasn’t up to a reasonable standard and she failed to get the job as a result, she could sue you for her lost income.

 

Protection From General Risks

General liability insurance is meant to cover incidents not related to the service you provide. For example, if a customer is injured when they slip on a wet floor in your shop or a cosmetologist accidentally spills chemicals on a customer’s expensive leather handbag, general liability insurance can cover your liability for her medical bills or replacement of her bag.

 

Why biBERK for Cosmetology Insurance?

We’re the experts when it comes to small business.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

Get a Quote Today

See why biBERK is easier and more convenient for cosmetology insurance when you obtain your free quote online.

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