Beauty Insurance

small business owner protected by beauty insurance

Help Your Clients Feel Their Best With Beauty Insurance Made for You

You strive to help your clients look and feel as good as possible. We know how dedicated you are to what you do, and we’re here to help protect your business with beauty insurance designed with your unique needs in mind.
 
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small business owner protected by beauty insurance

What Is Beauty Business Insurance?

Beauty insurance is a type of business insurance built to meet the unique needs of businesses in the beauty industry. This includes coverage for beauty professionals that provide haircuts, hairstyling, nails, waxing and eyelash services. Beauty business insurance, also called cosmetologist insurance, helps protect against claims of:
 
  • Bodily injury
  • Personal injury
  • Property damage
  • Emotional distress
small business owner protected by beauty liability insurance

We Won't Make You Wait

We know how important your time is. That’s why we’ve made it easy for you to get your proof of insurance instantly online.

Covering Your Beauty Business’ Operations

Working in the beauty industry often means servicing multiple clients a day. We know that every appointment can bring new difficulties and risks – that’s why we’ve created coverages to help protect your business from the unexpected.
In 2021, there were 40 million emergency department visits for injuries.1
beauty general liability insurance

General Liability Insurance

“After I completed an eyebrow wax on a client, she was red and inflamed. It turns out the wax was hotter than I thought, and she ended up with a burn that required medical treatment.”
 
General liability insurance can help cover bodily injury and property claims against your business. This liability coverage can help pay for your customer’s medical treatment, too. This is a type of cosmetic liability insurance.
Beauty Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI)

“I had to let go of an employee who was consistently missing client appointments. Next thing I know, she sued my business for wrongful termination.”
 
Employment liability insurance is included in a Business Owner’s Policy (BOP) with The Hartford. This coverage can help if an employee sues your business for wrongful termination, discrimination or harassment.

Protecting Your Beauty Business’ Property

It’s important to protect your business’ property, such as the expensive equipment you rely on to do your job or the place where you see clients. Having the right type of coverage can bring you peace of mind with beauty business insurance.
On average, a fire department responded to a fire somewhere in the U.S. every 21 seconds in 2022.5
beauty Business Owner’s Policy

Business Owner’s Policy (BOP)

“An electrical fire broke out in the building where our beauty studio is located. Unfortunately, a couple of our workstations were ruined and most of our equipment that was plugged in was damaged.”
 
A Business Owners’ Policy (BOP) combines business property and liability insurance into one. It can help cover damages to your building and equipment after a covered loss.
beauty Commercial Property Insurance

Commercial Property Insurance

“I ordered new luxury skincare products to use at my beauty business. The delivery came later in the day when I was out of office and was left in the hallway of our building. When I arrived the next day, the package was opened, and the products were stolen.”
 
Commercial property insurance can help protect your owned or rented building, plus the tools and equipment you use to operate your business, covering losses from issues like fires, burglaries and theft.

Taking Care of Your Beauty Team

Your team is an essential part of your business. And in your industry, long hours and bodily injuries are not uncommon. Help protect your staff while on the job with the right types of business insurance.
In 2022, there were 2.8 million workplace injuries or illnesses reported by private employers in the United States.3
beauty Workers’ Compensation Insurance

Workers’ Compensation Insurance

“One of my best hairstylists at my beauty salon started having pain in her wrist. It was getting so bad she couldn’t complete services without multiple breaks. Soon enough, she was diagnosed with carpal tunnel and needed to take time off to rest.”
 
Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness. It can help pay for their ongoing medical expenses, like physical therapy.
beauty Commercial Auto Insurance

Commercial Auto Insurance

“Our salon was hired to do a bridal party’s hair before a wedding. While we were driving to the location, another driver struck our company car. Luckily, we weren’t injured, but our vehicle had to be towed.”
 
Commercial auto insurance helps protect you and your employees while on the road driving for work. This coverage can help pay for property damage and medical expenses resulting from an auto accident. 

Beauty Insurance Made for Your Business

When it comes to protect your beauty business, you’ll want to partner with an insurer you can trust. The Hartford has more than 200 years of experience, and we understand the unique risks your business faces. We’d be honored to help you get the coverage you need to help protect your business.
business owner protected by beauty business insurance

Get a Quote for Beauty Insurance Today

Find the insurance coverage you need to keep your beauty business running smoothly. Get a quote today.
 
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Frequently Asked Questions About Beauty Insurance

Beauty liability insurance is a type of business insurance that’s important to help protect your beauty services company from accidents and liability claims. Key coverages include:
 
  • General liability insurance: Helps protect against claims that your business caused bodily injuries or property damage to others. It also helps protect against claims of personal and advertising injury.
  • Business property insurance: Helps protect your owned or rented building, tools and the equipment you use to operate your business.
  • Professional liability insurance: Helps protect your business if an employee makes a mistake in the professional services they’ve provided to customers or clients.
  • Workers’ compensation insurance: Helps provide employees with medical benefits and also helps replace lost wages if they need time off to recover from a work-related injury or illness.
  • Commercial auto insurance: Helps protect you and your employees on the road while driving vehicles for business purposes.
Yes, if you’re an esthetician that works independently at a salon, or you own your own business, you’ll need business insurance. We offer esthetician insurance designed to fit your unique needs.
 
It’s important to keep in mind that each state has a state board of cosmetology that governs estheticians. In addition to business insurance, you’ll likely need certain licenses. Be sure to check the requirements in your state.
To help protect your cosmetic product store or distribution business, it’s best to have cosmetic liability insurance to help protect your business. In addition to business insurance, you may also want to include these additional beauty product insurance coverages:
 
  • Excess liability coverage
  • Product recall coverage
  • Hired and non-owned auto liability
 
 
Last Updated: February 11, 2025
 
1 U.S. Department of Health and Human Services, “All Injuries.”
 
2 National Fire Protection Association, “Fire loss in the United States.”
 
3 United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2021-2022.”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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