Insurance For Estheticians & Skin Care Professionals
Protecting Estheticians from the Unexpected — So You Can Focus on Helping Clients Look and Feel Their Best
Protect Your Esthetics Business from Unexpected Risks
As an esthetician, you work closely with clients to help them feel confident and beautiful. But even with the best training and intentions, things can go wrong. What happens if a chemical peel is too strong, or a laser treatment results in a burn? These rare but serious situations can lead to lawsuits and costly claims.
That’s where Insurtec’s Esthetician Insurance comes in — providing professional-grade coverage that’s tailored to the unique risks of estheticians. Whether you’re an independent contractor, renting a booth, or operating your own studio, our policy protects your reputation, your finances, and your peace of mind.
Why Do Estheticians Need Specialized Insurance?
Even if you’ve never had an incident, one unhappy client can lead to major legal and financial consequences. For example
A chemical reaction to a skin treatment
An accidental burn from a light therapy device
A slip-and-fall in your treatment room
A client who’s simply unhappy and decides to sue
Without esthetician insurance, you're left to pay for legal defense, settlements, and damage out of pocket — and that can easily cost thousands. Our policies are designed to protect independent estheticians and salon professionals from these kinds of situations.
What’s Included in Esthetician Insurance?
General Liability Insurance
Covers third-party claims such as:
Slip-and-fall accidents
Property damage to a client’s belongings
Advertising or reputational injury claims (e.g., libel or slander)
Legal defense costs, settlements, and judgments
This protection is essential for anyone who works with clients in person, especially in rented spaces or shared studios.
Professional Liability Insurance (Errors & Omissions)
This is the core of our esthetician insurance — and the coverage most general policies leave out. It protects you from claims related to your actual professional services, including:
Chemical peels
Microdermabrasion
LED or laser light therapy
Extractions and facials
If a client claims your treatment caused an injury or didn’t meet expectations, this coverage protects you from lawsuits and legal fees.
Most basic business policies do not cover these services. That’s why our combined policy includes both general and professional liability for total protection.
Optional Property Insurance
If you own or lease specialized equipment, our property coverage ensures you’re protected in case of:
Fire, theft, or vandalism
Accidental damage to your tools and devices
Studio furniture, massage beds, or lighting systems
This coverage is optional but highly recommended if your setup involves expensive gear.
We’ve Got Your Back
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Get Your Custom Salon Insurance Quote!
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