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Why Businesses Need Esthetician, Cosmetology, and Massage Insurance
If you offer therapeutic, beauty and health treatments to your customers, you’ll need seguro de negocio coverage. In fact, due to the personal nature of your service, you’ll likely face unique risks on top of the ones most small businesses deal with, like property damage and loss of records.
Your business needs the right business insurance to help cover the costs of legal claims brought against you. Without this coverage, your business will have to pay out of pocket. This can be expensive and may be more than you can afford.
Some of the coverages we offer include:
- Esthetician liability insurance coverage
- Massage liability insurance coverage
Professionals who have chosen us for coverage include:
- Estheticians
- Cosmetologists
- Massage therapy professionals
Who Needs Massage Insurance, Cosmetology Insurance or Esthetician Insurance?
Whether you’re a licensed esthetician, cosmetologist or massage professional, you’ll need to protect your assets. Insurance coverages that can help include:
- Massage insurance
- Cosmetology insurance
- Esthetician insurance
To determine what insurance you need, look at what products and services you offer. For instance, you’ll likely need business insurance coverage if you offer:
- Massages
- Hair care
- Skin care
- Cosmetics and cosmetic applications
Business insurance helps protect your company from the typical risks most companies face, but it’s important to tailor coverage to your needs.
Business Insurance Coverage for Cosmetologists
Most therapeutic, health and beauty professionals invest in a Póliza para propietarios de negocios (BOP) in addition to other business coverages. Why? Because a BOP helps protect their small business the same ways a homeowners policy protects their home.Póliza para propietarios de empresas
A BOP can help you save money while safeguarding the small business you’ve worked hard to build. Because it combines three basic coverages, a BOP is important to virtually every small business.
Coverages included in this policy are:
General liability insurance to help protect your business from certain lawsuits, like:
Claims of injuries or property damage caused by your business. For instance, say your client trips over a hair dryer cord. General liability insurance can help cover their medical costs. Or, if your employee damages a customer’s property while there for cosmetic or massage services, this coverage can help pay for repairs.
Claims of slander or libel filed against your business. If your employee slanders a competitor in your new marketing campaign, and they file a lawsuit against you, general liability can help cover the costs.
Keep in mind that general liability doesn’t cover all liabilities. For instance, it doesn’t help cover claims from mistakes in the professional services you provide.
Commercial property insurance to help protect the place where you do business. It also helps protect the owned or rented equipment you and your employees use for work, including:
- Massage tables
- Other furniture
- Health and beauty equipment
Business income insurance to help cover the loss of income when you can’t run your business because of covered property damage. For instance, say your business catches on fire. As a result, you have to close temporarily. Business income insurance can help cover your income lost while you’re closed.
In addition to these three coverages, you can also add policies like professional liability insurance. This helps cover any errors or omissions in the services you provide. For example, say your employee recommends a product that damages a client’s hair. If they file a lawsuit against your business, professional liability insurance can help cover your legal costs.
Popular Business Insurance Solutions to Meet Your Needs
Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses.
Easily Add Optional Cosmetology, Massage, and Esthetician Insurance Coverage
Back-Up of Sewers and Drains Coverage
Heavy rains can cause water damage to your salon or spa. So, back-up of sewers and drains coverage is a recommended type of massage or esthetician coverage. It’s not flood coverage, but it helps protect your business if you suffer property loss or water damage because a sewer or drain backs up.
Business Income for Off-Premises Utility Services (OPUS)
People who provide personal care services depend on:
- Power
- Agua
- Communication utilities
OPUS covers loss of income when there are interruptions in your utility services, like if a storm downs power lines and cuts off electrical services. Unlike other insurance companies, OPUS from The Hartford starts as early as 12 hours from your initial interruption in service. This helps provide power interruption protection. It also helps safeguard your income against outages of other utilities as well.
Data Breach Insurance Coverage
As a health and beauty business, you will likely collect personal information for your employees and customers, such as debit and credit card numbers.
If personal information gets stolen from your business, data breach coverage can help by paying costs of:
- Notifying individuals
- Managing public relations
- Advertising to improve your business’ reputation
Interruption of Computer Operations and Electronic Data
Cosmetology, esthetic and massage businesses depend on computers for things like:
- Emailing appointment reminders to clients
- Sending clients special promotions
- Maintaining client and customer files
- Tracking product and equipment inventories
Computers and media coverage can help your business if it suffers covered damage, or if a virus corrupts your records. This coverage can help pay to research and replace lost data.
Business Income From Dependent Properties Insurance Coverage
Suppliers provide estheticians, massage therapists and professional cosmetologists with the products you need. These include:
- Specialized beauty products
- Lotions
- Cosmetics
So what happens if your supplier suffers a covered loss and must close for repairs? Your Business Income from Dependent Properties coverage can help pay for your lost income.
Bundle Esthetician, Cosmetology & Massage Insurance Coverages
Stretch Your Dollar
It’s easy to increase your BOP protection at an affordable price with The Hartford's Stretch,® a cost-effective bundle of our most popular optional coverages. For personal care professionals, we offer different limit levels to meet your business’ needs, all of which include the same great coverage.To learn more about these cost-effective solutions, contact our agents or customer service representatives at 855-829-1683. They can help take the guesswork out of selecting the right insurance coverage.
Other Important Cosmetology, Massage, and Esthetician Insurance Options
Workers’ Compensation Insurance
Required by most states, workers’ compensation insurance provides benefits to your employees for work-related injuries or illnesses. These benefits can help cover:
- Atención médica
- Wages from lost work time
- Funeral expenses
If your worker’s family decides to sue you, it can also help you pay your related legal costs.
Seguro comercial para automóviles
As an owner of a cosmetology, esthetic or massage service, you likely use your car to:
- Visit clients
- Pick up cosmetics
- Transport spa supplies
A business auto policy provides insurance coverage generally not included in a personal auto policy. It can help cover you or an employee if you’re in an accident while driving for work. For instance, say an employee uses a personally owned vehicle to pick up supplies. If they get into an accident, your business auto policy can help pay the costs associated with it.
Home-Based Business Solutions
If you operate your business from home, your homeowners insurance policy may not cover important aspects of your business. In addition, using your home for work may void your liability coverage in your homeowners policy. This can put your home at greater risk.
If you run your esthetician, cosmetology or massage business out of your home, you probably want a BOP, because it provides insurance coverage not generally available with a homeowners policy. To determine if you need a BOP for your home-based business, ask yourself these questions:
- Do I have customers come to my home?
- Do I receive supply deliveries or business mail at my house?
- Do I keep inventory at my home?
Get Esthetician, Cosmetology, or Massage Insurance
We make it easy to get esthetician, cosmetology, or massage insurance. Get a business insurance quote today or contact one of our specialists at 855-829-1683. They’ll give you the information you need, such as annual aggregate amounts for coverage, to help you get the right protection.