Estheticians provide specialized and unique services that are tailored to each client. Expertise and trust are required when working closely and personally with your clients’ bodies and there is an element of risk involved in that. Whether you’re a freelance Esthetician, work out of your home or in a salon or spa, Esthetician insurance will protect your career and give you peace of mind as you manage your business.
PROtique Esthetician insurance can include coverage for:
- Body Wraps
- Eyebrow & Eyelash Tinting
- Eyelash Extensions
- Electronic Muscle Stimulation (EMS)
- Eyelash Extensions/Perms/Lifts
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peel
- Make-Up Artistry – excluding tattooing
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
- Spray Tanning
- Teeth Whitening – product must be manufactured in North America
Coverage Extensions Are Available for:
- Ear Piercing
- Laser, IPL & LED Skin & Hair Treatment
- Micropigmentation & Microblading
- RF Skin Treatment
- Skin Needling
- Tanning Beds
- Ultrasound Skin Treatment
Estheticians providing the following services cannot be insured with PROtique:
- Body Piercing – ear piercing is acceptable
- Collagen Injections
- Corn, Bunion or Ingrown Toenail Cutting or Removal
- Ear Candling
- Fitness, Nutrition or Weight Loss Programs
- Registered 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
Protects against lawsuits alleging your service or advice caused injury or loss to a customer. For example, this is designed to defend you if a customer has an allergic reaction or is burned by a product used on their body.
Protects against accidental injury to others, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your spa.
Includes replacement cost coverage for tools, equipment and stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism & sewer backup among others.
This is a package of various coverages included on all PROtique Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.
Covers lost profit and pays for necessary ongoing expenses if your esthetics business is interrupted or closed due to a property damage claim. For example, if your esthetics spa suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your esthetics spa suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.
This insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at www.protique.ca/equipment-breakdown-insurance to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your spa after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.
**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.