Estheticians Insurance*

As an esthetician (sometimes spelled aestheticians) you typically perform cosmetic skin treatments such as facials, superficial chemical peels, body treatments, hair removals and waxing.

You are part of a fast-growing industry; tapping into a people’s desire to pamper themselves and look as good as they can.

At Smart Business Insurance, our friendly and knowledgeable team of brokers can provide advice and assistance to estheticians who want to ensure their business is PROTECTED PROPERLY.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

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Generally, the types of business insurance that an esthetician should consider include:

Public Liability – This type of insurance may cover an esthetician in the event that a third-party, such as a patient, suffers an injury on your premises (or at an outside event) and then proceeds with a legal action against you.

Professional Indemnity Insurance gives you protection if your business is sued for giving incorrect advice or not providing professional services as agreed. This type of insurance may protect you if a client suffers loss or damage caused by a mistake or omission in the services you provide. It may help cover legal expenses if someone makes a claim against you.

Commercial Property Insurance – If you own or are renting a premises for a spa or salon, commercial property insurance could protect you against risks such as vandalism, theft and fire damage.

Business interruption – In case of specified events such as storm, lightening, flood, burst pipes, and theft, business interruption coverage may help the business pay for expenses such as rent, salaries, utilities, and lost profits while the business cannot operate.

Cyber Liability Insurance may protect your esthetician business from potential financial losses or any reputational damage that may arise from a cyber-attack or breach of data security. This type of insurance may also provide reimbursement or reimbursement of any money spent on responding to an attack and the costs incurred with repairing any damage caused, including notifying customers of the data breach.

Management liability insurance may provide cover for the directors and senior managers for civil fines, legal and defence costs. Important given the personal nature of esthetician business activities.

Personal Accident Cover is a type of business insurance that may offer protection for the esthetician’s income. It may cover medical costs, loss of income and other associated expenses if expenses if an aesthetician suffers an accident or injury that prevents them from working for an extended period.

At Smart Business Insurance, we are here to help you find suitable cover for your aesthetician business activities, and assist you get properly protected.

Get in touch with our team today to for guidance about the business insurances available for self-employed aesthetician, and operators of spas and salons employing estheticians.