Cosmetology Insurance

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

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Cosmetology insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the cosmetology insurance policies 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 cosmetology business insurance policies available 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 cosmetology 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 treatment that damages a client’s skin, 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 you drive for business reasons, such as traveling to different client locations.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance helps 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

Thanks

Quick, easy and affordable.

LeSean A.

Quick and easy!

I needed to get some liability coverage for my business, and this was an easy online way to get it handled!

kimberly k.

Great

It's exactly what I needed. Also fast and easy

Stephanie f.

Awesome

Lighting fast,best customer service ever!

Joseph R.

Very good insurance

Very good insurance 👌 customer service and company, definitely I recommend this insurance

Gilberto P.

Great coverage at a great

Great coverage at a great price!

Simone D.

Liability Insurance

Quick, easy, affordable,👍 Thanks Next....

LaSanda C.

Get with Next

Looking for or having current insurance issues? Here at next is where you want to be. You don’t gotta wait to speak to someone or call you back. The steps to getting insured is sup...

Agnes D.

Business Insurance

Very easy to apply for and inexpensive!

Evelyn B.

Easy process!

Super easy process - can’t beat the price!

Lainie H.

You can save up to 25% in discounts on the best cosmetology 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 cosmetology insurance cost?

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

The types of skin care or makeup 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

Everything you want to know about Insurance

Cosmetology insurance requirements

Professional cosmetologists are almost always required to have insurance due to the risk of injury to customers’ 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 cosmetology business insurance

Here are some of the most common questions we get about professional insurance for cosmetologists. 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 cosmetologists?

Our cheap cosmetology 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 nail polish on a client’s designer shoes. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips and falls when getting up from a salon chair. Your general cosmetology 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 you caused an allergic reaction with certain chemicals, forcing them to reschedule their wedding. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You trip over the power cord to your hair dryer and twist your ankle. 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

While driving to work, you slide on an icy road and hit a parked car. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

During a severe storm, your front windows are smashed by a broken tree branch. 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, 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 an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.