Esthetician, Cosmetology & Massage Services Business Insurance

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Why Esthetician, Cosmetology & Massage Firms Need Business Insurance

The very personal nature of the therapeutic, beauty, and health treatments you offer exposes your small business to specific risks. And that’s in addition to the typical issues most small businesses deal with like property damage or loss of important records. Learn about the insurance coverages personal care services professionals like estheticians, cosmetologists, and massage therapists most often purchase from The Hartford.

Who Needs Massage Insurance, Cosmetology Insurance and Esthetician Insurance?

Businesses in the Esthetician, Cosmetology and Massage industries that want to protect their company assets from loss due to business risks may benefit from Massage Insurance, Cosmetology Insurance or Esthetician Insurance. If your business provides health and beauty products and services, including massages, hair care, skin care, cosmetics application, and cosmetics sales and services, consider purchasing business insurance. It's designed to help protect your company from the typical risks facing businesses in the health and beauty industry. Due to the personal and sensitive nature of the work your business does, it's important that you tailor your insurance coverage to the specific risks your facing your business.

Business Owner’s Policy

Most therapeutic, beauty and health treatment professionals, like estheticians, cosmetologists, and massage therapists have a Business Owner’s Policy (BOP). Why? Because it protects your small beauty or health business in much the same way a homeowner’s policy protects your home and personal possessions.
By combining three basic insurance coverages that are important to virtually every small business, including those offering cosmetology, esthetic, and massage services, a Business Owner’s Policy (BOP) can save you money while safeguarding the small business you’ve worked hard to build.
  1. General Liability – helps protect cosmetology, esthetic, and massage services businesses from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer is injured at your spa or salon or an employee causes damage to a customer’s property while on a house call for cosmetic or massage services. It even helps cover certain claims of slander and libel. Business Liability insurance coverage does not cover liabilities directly arising out of the professional services you may provide.
  2. Commercial Property – helps protect the place where your provide cosmetology, esthetics, and massage services and the things you and your employees use to conduct business, like massage tables, other furniture, and health and beauty equipment – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your spa or personal care business because of covered property damage.
Learn more about our Business Owner’s Policy for your small esthetician, cosmetology, and massage services business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Heavy rains may result in extensive water damage to your salon or spa. While not flood coverage, Back-Up of Sewers and Drains Coverage helps protect your business if you suffer property loss or water damage because a sewer or drain backs up.
People who provide personal care services depend on power, water and communication utilities. Business Income for Off-Premises Utility Services Coverage (OPUS) covers loss of income caused by interruptions in utility services beyond your control, such as when a storm downs power lines, cutting off electrical service. Unlike most other insurance companies’ offerings, OPUS coverage from The Hartford starts as early as 12 hours from initial interruption of utility service.
With OPUS, cosmetology, esthetics, and massage services professionals can get insurance that provides power interruption protection and safeguards their income against outages of other utilities as well.
Cosmetology, esthetics and massage services businesses often collect sensitive employee and customer information including Social Security and debit/credit card numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personally identifiable information is lost or stolen from your cosmetology, esthetic, and massage services business.
Learn More About Data Breach Insurance
Cosmetology, esthetic, and massage services businesses depend on computers for things like emailing appointment reminders to clients, sending them special promotions, maintaining client and customer files, tracking product and equipment inventories, and more. Computers and Media Coverage helps pay to research and replace lost data and the resulting loss of business income, if your cosmetology, esthetic, or massage services business computers sustain covered damage or a virus corrupts your records.
Estheticians, massage therapists and cosmetologists rely on specialized beauty products, lotions, cosmetics, and more provided by suppliers. If a supplier or distributor suffers a covered loss and must close, Business Income from Dependent Properties Coverage helps pay for your lost business income while the supplier’s damaged property is being repaired or replaced.
Bundle Insurance Coverages for Esthetician, Cosmetology & Massage Services Businesses
It’s easy to increase your cosmetology, esthetic, or massage services Business Owner’s Policy (BOP) protection at an affordable price with The Hartford's Stretch® endorsements that bundle valuable key insurance coverages. For personal care services professionals like you we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right insurance coverage for your personal care business.

Additional Solutions

If you have employees, use a car for work, or work from home, your esthetician, cosmetology, and massage services business may also benefit from:
Other Important Insurance Options for Esthetician, Cosmetology & Massage Businesses
Required by most states, workers’ compensation insurance provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help your with related legal fees.

Cosmetology, esthetic, and massage services businesses are among the many small companies that have been turning to The Hartford for workers’ compensation insurance coverage for more than a century. 
Do you ever use your car to see cosmetology, esthetic, or massage services clients, pick up cosmetics, spa supplies, or more? A Business Auto Policy provides insurance coverage generally not included in a personal auto policy. It can cover you or an employee when a personally owned vehicle, used for business purposes, is involved in an accident. 
If you run your esthetician, cosmetology or massage services business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides insurance coverage not generally available with a homeowner’s policy. Ask yourself, “Do I have customers come to my home, receive supply deliveries or business mail at my house, have employees or keep inventory at my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.