Best Esthetician Insurance Companies of 2024

Next Insurance offers general liability, professional liability, commercial auto, workers compensation, and commercial property insurance to estheticians in a customizable package with premiums starting as low as $134 per year. Monthly billing options are available.

Next is a great choice for estheticians who prefer to transact online, with a highly rated mobile app and online portal you can use to manage your policy, file a claim, and share your digital certificate of insurance with anyone. There’s even a live chat feature with a U.S.-based support team. 

Next offers three tiers of coverage: Pro Plus, Pro, and Basic. Each tier covers commercial auto, general liability, workers’ compensation, and commercial property insurance, but has different coverage limits, depending on the tier. For example, the Pro Plus tier has the following limits: 

• General liability: $1 million per occurrence/$2 million aggregate
• Workers’ comp: $1 million/per incident
• Commercial property: $25,000/per occurrence

One downside is that professional liability coverage is claims-made, but general liability coverage is occurrence form. So if a lawsuit is brought against you after your policy expires, you may or may not be covered, depending on the type of lawsuit.

Next has an A- (Excellent) financial strength rating with a stable outlook from AM Best, which isn’t as strong as some competitors but still indicates it’s a reliable company.

The Hartford is ideal for estheticians who want to create a fully customized, comprehensive policy, particularly businesses that have employees. You can get a business owner’s policy, which includes general liability, commercial property, and business income insurance, and add professional liability and product liability coverage to cover a wide range of incidents. You can also get workers’ compensation insurance if you have employees.

Coverage isn’t mobile—you’ll need to specify where you work to get a quote—but you can get a policy that covers you if you travel to clients’ homes. The available limits also vary based on your location and revenue. For example, we found coverage available up to $2 million per occurrence and up to $4 million per year in one location, but up to $2 million per occurrence and up to $3 million per year in another.

The Hartford offers both claims-made and occurrence form policies, depending on the type of coverage. The Hartford also gets high marks for financial strength and customer satisfaction, with an A+ (Superior) financial strength rating from AM Best and very few complaints with the NAIC. 

A membership to Associated Skin Care Professionals (ASCP) includes professional, general, and products liability coverage as well as educational and marketing resources useful for advancing estheticians’ careers. The policy covers up to $2 million per occurrence and up to $6 million per member per year, one of the highest coverage limits we’ve seen.

What’s more, ASCP will also cover any legal fees that go above and beyond those limits. The policy costs $259, and you can add $10,000 in business personal property insurance for an additional $95. The company also offers coverage for advanced esthetic services, such as LPL and CoolSculpting.

ASCP policies are underwritten by Allied Professionals Insurance Company, which has an A- (Excellent) financial strength rating with AM Best. That’s the lowest grade we typically recommend, but AM Best predicts a positive outlook for the company. The company also had only one complaint with the NAIC over the last three years for professional liability insurance.

Reviews about the company on third party sites are positive as well. And ASCP provides occurrence form coverage, so you can remain protected for incidents that occurred while your policy was in effect, even after your policy expires. 

Policies offered by the National Association of Complementary and Alternative Medicines (NACAMS) are underwritten by Arch Specialty Insurance Company, which has an A+ (Superior) financial strength rating with AM Best and far fewer complaints with the National Association of Insurance Commissioners (NAIC) than expected given its size.

Additionally, customers rave about the service NACAMS provides policyholders on third party review sites. NACAMS offers occurrence form coverage, which means you’ll be covered if the incident occurred while the policy was active, even if you file a claim after the policy expired. However, bear in mind that when your policy expires, so does your coverage in many cases.

Though NACAMS does not offer business personal property insurance, estheticians who rent their facilities and equipment will be protected with up to $100,000 in coverage if the rental space is damaged and up to $1,000 in coverage for stolen, damaged, or lost rental equipment. An identity protection plan is also included.

Plus, you’ll get bonus perks, like discounts on business supplies and a free professional website. Policies are affordable compared to other companies, and monthly billing options are available, as is pricing for students.

For more information, read our full review of NACAMS Esthetician Insurance.

Beauty & Bodywork Insurance offers the cheapest premiums of the companies we reviewed. Students pay $67 annually while professionals pay $96 annually. For that low price, you get up to $2 million in coverage per occurrence, $3 million aggregate for general and professional liability claims, and $3 million aggregate for product liability claims. Monthly pricing of $9.99 is also available.

Personal and advertising injury coverage is also included, as is $300,000 in rental damage coverage. You can also add an additional insured person for $15. All new policies are occurrence-based, meaning you can be reimbursed for any losses that happen when you have the policy, regardless of when you file the claim. (Policies bought or renewed before July 1, 2024, can become occurrence-based on July 1, 2025.)

Beauty & Bodywork Insurance policies are underwritten by Great American Insurance Company, which has an A+ (Superior) financial strength rating with AM Best and far fewer complaints with the NAIC than expected given its size.

Beauty & Bodywork Insurance also has excellent customer service reviews on third-party websites. However, the company offers fewer coverage options than insurers like Next or The Hartford.

If you need a robust policy that covers general and professional liability, business interruption, cyber liability insurance, workers’ compensation, commercial auto, and property damage with high limits, Three Insurance by Berkshire Hathaway would be a wise choice. Coverage limits up to $10 million are available for some businesses, with legal fees covered above and beyond that.

Plus, Berkshire Hathaway and its subsidiaries hold an A++ (Superior) financial strength rating from AM Best, the highest grade available. 

But if you don’t need all the coverages that the Three policy includes, you’ll likely find cheaper options elsewhere. Furthermore, Three is currently only available in select states, and the Three policy is a claims-made policy, which doesn’t provide as much protection as an occurrence form policy.