Beauty Insurance for Agents & Brokers
Empower Your Clients with Specialized Beauty Insurance
In the ever-evolving beauty industry, your clients need coverage that keeps up. As an agent or broker, you know that standard policies don’t always cut it. That’s where we come in. Our Beauty Insurance policy is built to protect salon owners, independent contractors, and beauty professionals with customized policies covering Professional Liability, General Liability, and Property. Plus optional add-ons like Sexual Abuse/Molestation, Cyber, Media and Excess coverage for total protection.
Why partner with us? We stay ahead of industry trends, ensuring your clients have seamless, up-to-date coverage as their businesses grow. Whether you’re serving top-tier accounts or solo beauty pros, we’ve got the solutions you need to help them succeed and keep you ahead of the competition. Let’s build better coverage, together!
What Services Can Be Covered Under Day Spa 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 Can 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. Contact us if your client has other services not listed above to find out if it fits in our program.
Coverages For Tattoo 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
- Flash
- General Liability
- Sexual Abuse
- Media Liability
- Excess Liability
Why Beauty Insurance with PPIB?
- Dedicated support
- Online portal access access to your client’s documents
- Customizable Coverage Options
- No Minimum policy requirement
- Nationwide Reach
- Knowledgeable claim handling and underwriting staff
Submit Your Application in 3 Easy Steps
Fill out Application
Click here to download application and complete
Complete Applicable State Form
Click here to access
state forms
Email Application & State Form
Email the Application to submissions@ppibcorp.com
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 your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name, we can also include them. If they are working under a different business name, they will need to obtain their own coverage and name you 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.
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.
We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Body Art/Salon and Spa application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.
Once you have a completed application email the application to submissions@ppibcorp.com
No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind.
A list of the binding requirements will be provided on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.
Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.
To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, W9 and a Producer Profile Form completed. Please click here to access our Producer Profile Form