The Ultimate Guide to Esthetician Insurance

As an esthetician, you take pride in delivering top-notch services that boost your clients' confidence. From performing facials and chemical peels to providing hair removal treatments, your expertise helps clients achieve their desired appearance outcomes. 

You effectively address skin concerns such as hyperpigmentation or acne, but have you ever considered the potential risks that come with this career? Accidents causing an injury can occur, or a client may have an adverse reaction to a treatment. Additionally, unaddressed complaints can lead to legal action, which can damage your reputation and hurt you financially. 

Why Insurance Is Important for Estheticians

One of your top priorities as a skincare expert is to provide exceptional services to clients, ensuring they achieve their desired look. But when you make a mistake (for example, a client responds poorly to a treatment), not having the right insurance coverage (or not getting any insurance at all) can put your reputation and business at risk.  

Without insurance coverage, you may have no option but to personally shell out money for settlements or damages. You may end up losing your business and damaging your reputation at the same time. 

Malpractice or professional liability insurance protects you and your business against negligence claims. General liability insurance, on the other hand, protects you when a client gets injured while in your care from situations like a slip or a fall. 

Esthetician Insurance Safeguards Your Reputation

While our esthetician insurance is designed to cover you as an individual esthetician, it doesn’t directly insure your business. However, you can add an additional insured—such as your LLC—for that extra protection you may want. We still advise looking into a business owner's policy if you operate out of a brick and mortar location. 

As an esthetician, your reputation can make or break your long term success, so combining professional and general liability coverage helps protect you for all instances that may put you at risk. By having the right coverage, you demonstrate professionalism and responsibility while ensuring that you are prepared for the unexpected. 

Getting an Esthetician Insurance Policy Can Attract More Clients 

Purchasing an insurance policy shows you're committed to running a responsible business, which can instill trust and establish credibility with potential clients. It can also set you apart from competitors because you're taking steps to ensure their protection. Most importantly, buying esthetician insurance gives clients confidence in your skills and the services you provide knowing you are investing in the success of your career long term. 

Insurance Liability Options for Estheticians

An esthetician should have both professional & general liability insurance for complete protection. Here are the differences:

General Liability Insurance

General liability insurance protects estheticians from financial losses by providing coverage for bodily or personal injury or property damage when occurring at or to a client’s property, such as slips, falls, or accidental damages.

Here are a few common claim examples: 

• If a client slips on a wet floor and breaks their wrist they can sue you to cover their medical bills & legal fees

• If you accidentally damage their personal belongings during treatment e.g.  hair bleach spills on a client’s purse or you accidentally bump a customer’s iphone off a table. Without insurance, you may end up paying for the cost of damages,  medical fees, and legal fees. 

Professional Liability Insurance

Get professional liability insurance and shield yourself from financial losses due to claims of mistakes, negligence, or failure from your provided services. Some examples of professional liability insurance claims include chemical peel complications, microblading errors, or negligent waxing. 

You may also get sued for recommending the wrong product to the client or when you disclose confidential information without their consent. You can get coverage for legal settlements and medical expenses by purchasing a liability insurance policy. 

How Much Does Esthetician Insurance Cost?

The cost of esthetician insurance varies across the industry and is typically influenced by a number of factors, including location, experience, and the services you provide. When comparing options, NACAMS stands out with a comprehensive policy at a flat rate of $179 a year. 

Unlike some providers that charge extra for key coverages, a NACAMS policy includes general and professional liability with up to $2 million per occurrence. A Microblading endorsement is available as an additional cost, while all other services are included. 

Common Risks and Challenges Faced by Estheticians

When an esthetician fails to provide professional & accident-free service or uses a new product, this could lead to a customer claim due to an allergic reaction or injury. This can negatively affect your future business if the client wanted to create a publicized lawsuit. If you lose and don't have insurance, chances are you will have to pay the settlement in addition to your legal fees out of pocket, which can be financially devastating. 

Choose the Right Insurance Provider for Your Needs

The best esthetician insurance provider offers comprehensive coverage at a reasonable price, ensuring you get the best value for your money. Make sure it also provides coverage for various services.

Protect your business and attract more customers by purchasing an insurance policy with NACAMS. Esthetician insurance also ensures you don't suffer from serious financial losses when clients file lawsuits. At NACAMS, you can get insurance for only $0.49 a day. Purchase for instant coverage today. 

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