Esthetician Insurance

Esthetician insuranceAre you an independent contractor or do you rent a room in a beauty salon?  Do you work in your home or provide a mobile esthetics service?  If so, you’re in the right place (btw, if you’re a salon or spa owner, please go to the Salon Owner page).

There is one BIG difference between being an esthetician and other types of businesses – you are a professional!  That’s not news to you, but most regular business insurance policies ignore it.  Not PROtique – our esthetician insurance policy is tailored to cover professional estheticians, including electrologists, nail technicians, make-up artists and more.

Estheticians need specialized knowledge to perform beauty care services in a safe, hygienic manner.  We too have specialized knowledge (and I think we’re pretty hygienic too :)) and we’ve used it to make it easy for you to get a customized, cost-effective PROtique insurance policy that does a complete job of covering your business and keeping you safe.

Esthetician Insurance

If you need insurance for your esthetics services, you can depend on PROtique to provide you with an insurance policy that is a perfect fit for your beauty business.

The esthetic services we cover include:

  • Aromatherapy
  • Body Wraps
  • Eyebrow & Eyelash Tinting
  • Eyelash Extensions
  • Electronic Muscle Stimulation (EMS)
  • Eyebrow & Eyelash Tinting
  • Eyelash Extensions/Perms/Lifts
  • Facials
  • Gel & Acrylic Nails
  • Glycolic Peels – maximum 30% AHA content
  • Green Peel
  • Make-Up Artistry – excluding permanent makeup or tattooing
  • Manicures
  • Micro-current
  • Paraffin
  • Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
  • Reflexology
  • Relaxation Massage
  • Spray Tanning
  • Teeth Whitening – product must be manufactured in North America
  • Waxing/Sugaring/Threading

Coverage Extensions are Available for:

  • Advanced Cosmetic Procedures
  • Ear Piercing
  • Electrocoagulation
  • Electrolysis
  • Laser, IPL & LED Services
  • Microdermabrasion
  • Micropigmentation & Microblading
  • RF/Radiowave Skin Treatment
  • Skin Needling
  • Tanning Beds
  • Ultrasound Skin Treatment

Estheticians providing the following services can not be insured with PROtique :

  • Accupuncture
  • Body Piercing – ear piercing is acceptable
  • Botox
  • Chiropody
  • Collagen Injections
  • Corn, Bunion or Ingrown Toenail Cutting or Removal
  • Ear Candling
  • Fitness, Nutrition or Weight Loss Programs
  • Massage Therapy – relaxation massage is acceptable
  • Medical Treatments or Procedures
  • Mole or Wart Treatment – electrologists with the Advanced Cosmetic Procedures Extension may work on moles and warts subject to specific conditions
  • Tattooing – permanent makeup can be covered under a separate policy
  • Varicose Vein Treatment

 

PROtique Masterplan Key Coverages

Click on  in the table for more information

Liability Property
Professional LiabilityInfo about Professional Liability
General LiabilityInfo about General Liability Coverage
ContentsInfo about Contents Coverage
PROtique™ Coverage ExtensionInfo about PROtique Coverage Extension
Business InterruptionInfo about Business Interruption Coverage
Equipment Breakdown (optional)Info about Equipment Breakdown Coverage
Proof of Loss Preparation Costs Info about Proof of Loss Preparation and Professional Fees Coverageand Professional Fees

All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.

Apply now for an esthetician insuranceClaims examples – esthetician insurance