Beautician Insurance

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

Choose your primary coverage to get started:

General Liability

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Commercial Property

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Workers' Compensation

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Professional Liability

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Other Coverages

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Rated 4.7/5

(5056 reviews)

Beautician insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the beautician insurance coverage 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 beauticians 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 beautician 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 applying expired makeup that causes a client to develop a 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 you dent a client’s car when arriving for an in-home appointment.

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

Excelencia

Lo, Superé comuendo and Servicio is spectacular yes and I think those are my soulmate like your seat Luciano inconvenient the cake sister

BIBIAN O.

The customer service is very

The customer service is very helpful and professional I'm happy to have Next has my insurance company

Onix A.

Good work

Ajita M.

I was able to get

I was able to get the best price and a quick policy.

Lisa C.

Same Day Insurance

Easiest and fastest quote on insurance coverage that I’ve ever experienced. I needed General and Professional insurance and got it.

Maria S.

So fast and easy !!

It was super fast and easy!! The best !!

Letisia B.

Good customer service

I have had Next insurance for over a year now. I recently moved to a bigger space. I called to see what I needed to do to change the address on my account. The person I spoke to wa...

Dania B.

Love it

This was a very easy process, I was insured immediately. I did not have to purchase more than I needed. Pressure free and very user friendly. I truly recommend Next!

Kati P.

Phung Hoang - Excellent Customer Service Rep

Huy Nguyen helped explain the insurance policy and procedure to me. He was very enthusiastic about benefits of the policy to the customer. Thank you so much!

Marvin N.

Excelencia

Lo, Superé comuendo and Servicio is spectacular yes and I think those are my soulmate like your seat Luciano inconvenient the cake sister

BIBIAN O.

You can save up to 25% in discounts on beautician 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 beautician insurance cost?

Beautician 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

Learn more about beautician insurance costs and coverage.

Beautician insurance requirements

Beauticians 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 beautician business insurance

Here are some of the most common questions we get about beautician insurance policies. 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 beauticians?

Our beautician 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

A facial treatment formula stains a client’s expensive blouse. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

You bump a client’s ear with a curling iron, causing a burn. Your general beautician liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims you made their hair fall out with the wrong hair dye, causing them to miss work. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You get a cut when handling pedicure tools and need a few stitches. 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 branch shatters the windshield of your business vehicle during an overnight storm. 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

A small fire breaks out and causes damage to your salon. 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 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 a 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 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.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Barber, Beautician, Bridal Stylist, Cosmetology, Esthetician, Hair Stylist, Nail Technician

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.