- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group, LLC
Beauty Insurance
Beauty Pros, Protect Your Passion!
Why do I need beauty insurance?
Working in the beauty industry means making clients feel their best, but one mistake or miscommunication could leave you facing an expensive lawsuit. Many insurance policies claim to protect independent beauty professionals, but they often exclude key services you offer, leaving you vulnerable when it counts.
If a client sues over a procedure your policy doesn’t cover, you could be footing the bill yourself—ouch! And those settlements? They can be big enough to end your career.
The fix? Coverage that actually covers you! Stay protected, stress-free, and focused on what you do best with a policy tailored to your services.
Why Choose PPIB for your Beauty Insurance?
At PPIB, our Beauty Insurance policies provide comprehensive coverage to bridge the gaps left by standard policies, ensuring you have the protection you need. Our policies include essential Professional Liability and General Liability coverage to safeguard against potential lawsuits, along with customizable options such as property coverage, cyber protection, sexual abuse liability, product liability, media liability, hired/non-owned auto, and more.
We don’t just offer insurance, we tailor coverage to match your specific services. Whether you need protection for all your services or coverage for eyelash extensions only, we can design a policy that fits your business needs.
With our commitment to excellence, beauty professionals and businesses receive unmatched support and security. Trust PPIB to protect your artistry and professional aspirations with industry-leading Beauty Insurance.
What Services Can Be Covered Under Beauty Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types beauty services, including:
Hair
Facials
Manicures / Pedicures
Eyelash Extensions
Spray Tanning
Waxing
Massage
Permanent Jewelry
Additional Services We Cover
- Needling/Collagen Induction Therapy
- Sugaring / Threading
- Topical Makeup
- LED/Microcurrent
- Ear Piercing
- Non-invasive Aesthetic Radio Frequency
- UV Tanning
- Microdermabrasion
- Reiki
- Hyaluron Pen
- Electrology
- Non-Invasive Aesthetic Ultrasound
- Plasma Fibroblast
- Infrared Saunas
- Microblading
- Permanent Makeup
- Foot Detox
- LED Teeth Whitening
- Microcurrent
- Aesthetic / Medical Peels
- Dermaplaning
- Cupping (no heat/fire cupping)
- Cupping (no heat/fire cupping)
- Permanent Jewelry
- Body Wraps
- Body Contouring
- Cryo Spot Treatment
- Medical Peels
- CBD/Hemp Treatments
- Teaching (unlimited class size)
- Yoga/Pilates Instruction (no stand-alone or yoga/Pilates studios. Must be inside Day Spa or Salon)
- Skin Tag Removal
But wait, we can cover MORE!
Just because it’s not listed above doesn’t mean we don’t cover it. If you have a beauty business with other operations or services, we are able to consider it. Contact us to find out if it fits in our program.
Coverages for Beauty Insurance Offered Nationwide:
- Up to $2,000,000/$3,000,000 Limits
- Property – including in transit
- Cyber Protection
- Hired/Non-Owned Auto
- Professional Liability
- Communicable Disease
- Products Liability including Private Label Products
- Events / Conventions
- General Liability
- Sexual Abuse
- Media Liability
- Excess Liability
Why Beauty Insurance with PPIB?
- Dedicated Support to assist you every step of the way
- Online portal access
- Customizable coverage options
- Nationwide Reach
- Knowledgeable claim handling and underwriting staff
Frequently Asked Questions
Beauty insurance provides coverage for the unique risks and liabilities associated with the beauty industry. Our policies include professional & general liability coverage with additional optional coverages to customize coverage based on clients’ business needs.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable beauty insurance policies to endure that your coverage aligns with your specific business needs
Yes, they can be. If they are employees of the insured, they should have them covered under their policy. If they are independent contractors who are working under your client’s business name then we can also include them. If they are working under a different business name then they will need to obtain their own coverage and name your client as an additional insured.
The cost of beauty insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy.
Here are some key factors that influence the cost of beauty insurance:
- Size and scope of business:The size of your business, whether you have a salon/spa or you are an individual can impact the insurance cost. Larger risks with more technicians who offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the salon/spa.
- Type of services being performed: Some services are more invasive than others which create more long-term problems if a claim were to arise. Therefore, the type of services being performed may impact the insurance cost.
- Claims history: Insurance companies consider the claims history of your permanent makeup business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.
- Safety measures and risk management practices: Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.
Definitely. The general liability policy of the business you rent space from most likely covers their operations only, and clients coming into their business. You are a separate entity since you rent a space from another business. General liability provides peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone insurance policies covering only the services you need coverage for.
If desired, we can offer you a stand-alone insurance policies covering only the services you need coverage for.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.
Yes, beauty insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the services being provided.
It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.
Click the Apply Now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.