Esthetician Insurance Coverage Types
Commercial insurance is not a one-size-fits-all policy. Learn the specific purpose of each coverage form, standard policy limits, and why choosing the right combination prevents catastrophic gaps in protection.
Professional Liability (Malpractice / E&O)
Covers bodily injury, burns, allergic reactions, and treatment claims resulting directly from your professional skin services.
Commercial General Liability (CGL)
Protects against slip-and-falls, premises accidents, and third-party property damage inside your suite or studio.
Product Liability
Shields your practice if retail serums, moisturizers, or home-care kits you sell cause client skin damage or severe allergic dermatitis.
Business Personal Property & Equipment
Reimburses the cost to repair or replace expensive facial machines, steamers, beds, and backbar inventory after water leaks, fire, or theft.
Workers' Compensation
Statutorily mandatory coverage in almost all states if you employ assistants, front-desk staff, or W-2 estheticians.
Cyber Liability & Client Data
Protects against compromised client credit card information, electronic medical intake forms, or hacked online booking systems.
Commercial Auto & Mobile Transit
Covers your vehicle and transported esthetics supplies during travel to client appointments, hotels, or bridal venues.