Esthetician Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Esthetician insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the esthetician insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for estheticians and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of esthetician accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by salon and spa owners.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using a skincare treatment that causes a serious rash, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if your business vehicle damages another car in the salon parking lot.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

It was an easy process!

It was an easy process! I really appreciate that!! Opening a business is a tough process. NEXT made insurance one less thing I needed to worry about.

Heidi M.

So easy to use!

What more can I ask for?! Simple and easy platform that covers what I need for my business.

Suzan V.

Insurance

Was nice and easy. Worked with Ford Agency in St Cloud, Florida who recommended you..

Carol J.

Easy sign up, just what I was looking for

Getting insurance was easy and just what I needed for my business. Great customer service!

Amy R.

10/10

Olivia F.

business

I am happy to find you

Roza C.

Great deal for my small business

Great price low monthly payment, great deal for my small business thanks

Omayra B.

Great service

Easy to navigate

Shelly B.

Love

kashia c.

Excellent service!

Jeff was super helpful and quick with his responses and helped me get the best deal possible.

Amanda L.

You can save up to 25% in discounts on esthetician insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does esthetician insurance cost?

Esthetician liability insurance quotes vary based on the risks that your business faces, such as:

The types of skin or hair care work you do
Where your salon is located
Your payroll and the kinds of jobs your employees do
If you use a vehicle for work

Esthetician insurance requirements

Estheticians are almost always required to have insurance due to the risk of injury to customers’ hair or skin or damage to their property. You might need insurance to:

Start working independently or at a salon or spa. Salon and spa owners might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about esthetician insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect estheticians?

Our esthetician liability insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You spill hot wax on a client’s expensive shoes. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips on a wet floor near your work station and gets hurt. Your general esthetician liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that the chemical peel you gave burned their face, making them miss an important work conference. Esthetician professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You slip on a freshly mopped salon floor and hurt your shoulder. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

A hail storm leaves small dents all over your work vehicle. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A pipe bursts and causes water damage inside your business. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.