Esthetician Insurance Tailored For Independent Professionals 
Do Estheticians Need Insurance?
Affordable Liability Insurance for Estheticians with Expert Support
At Gild, we specialize in esthetician insurance designed for independent professionals and small beauty businesses. Our flexible coverage options, like esthetician liability insurance, help protect you from the unexpected. From client claims to equipment damage, we make it easy to find the right insurance for estheticians, backed by industry expertise1 and personalized for your unique setup. Discover affordable, reliable liability insurance for estheticians that supports your independence and lets you focus on what you do best.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Find The Right Estheticians Insurance For Your Business
Running a business is challenging enough, your insurance shouldn’t make it harder. The best insurance options for estheticians help protect your tools, property, income, and employees, keeping you prepared for the unexpected and focused on what you do best every day.
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General Liability Insurance – Covers property damage and third-party injuries.
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Tools & Equipment Coverage – Protects against theft or damage.
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Business Interruption Insurance – Helps replace lost income if you can’t operate after a covered event.
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Professional Liability Insurance – Covers financial losses arising from claims of negligence, errors, or dissatisfaction related to a service.
The best way to find your esthetician insurance is to get a free, online quote in minutes!
Why Estheticians Needs Esthetician Insurance
Esthetician insurance helps protect your finances, your reputation, and your ability to keep serving clients with confidence.
- Protect Your Business Assets: A single liability claim can lead to costly legal fees that threaten everything you’ve built. The right coverage protects your finances, your equipment, and your peace of mind.
- Meet Financial and Landlord Requirements: Many landlords, lenders, and commercial clients require proof of liability coverage before signing a lease or contract.
- Satisfy Employer or Spa Requirements: Many spas, salons, and wellness centers require independent professionals to carry their own insurance before offering services or renting space.
Factors Affecting Estheticians Insurance Cost
Estheticians insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence estheticians insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your estheticians insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Esthetician Insurance Today!
Your esthetician business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands beauty businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
Yes, insurance is a must-have. No matter what your size, location of set-up, insurance protects you from unexpected risks. Some of these risks include:
- Client reactions
- Equipment damage
- Slip-and-fall accidents
Gild Insurance offers straight forward coverage that supports your business and keeps you moving.
How Much Does Esthetician Insurance Cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is professional liability insurance different from general liability for estheticians?
Yes, they are different.
- General liability protects you if someone gets hurt on our property or you damage their belongings.
- Professional liability covers claims related to your services like skin damage or an allergic reaction.
Gild recommends carrying both to make sure you stay fully protected.
What Kind of Insurance Do Estheticians Need?
Most estheticians need both general liability insurance and professional liability insurance.
- General liability covers things like property damage and accidents.
- Professional liability steps in if a client states your services caused harm.
Gild can customize a plan for you depending on your services, space, and risk level.
Let's Get The Right Coverage In Place!
Get Covered
