Cosmetology Insurance
4.8/5 on
- Instant Proof of Coverage
- One Policy Covers Multiple Beauty Services
- Coverage Follows Wherever You Work*
- Tools & Supplies Coverage Options
What Is Cosmetology Insurance?
Cosmetology insurance is designed to cover everyday claims that may arise from running a cosmetology business. Say your next color service leads to an unexpected skin reaction or a client slips and falls near your shampoo station. With insurance, your policy can step in to pay to make things right.
Insurance is an essential safety net that lets you focus on helping clients look their best — not on the what-ifs of providing beauty treatments.
How Much Is Cosmetology Insurance?
Cosmetology insurance, which includes both general and professional liability coverage, starts at $96 per year, or $10 per month. Your final cost depends on the payment plan you choose (monthly or annual) and any coverage add-ons you select.
What Coverages Does Cosmetology Insurance Include?
Your cosmetology insurance policy includes:
- General liability insurance: Can cover third-party bodily injury and property damage claims
- Professional liability insurance: Can protect your business against third-party bodily injury claims related to your cosmetology technique, advice, or recommendations
- Personal and advertising injury insurance: Can cover claims of non-physical injuries, such as libel, slander, copyright infringement, or marketing mistakes
- Products and completed operations coverage: Designed to cover claims related to products used during service, or the completed services themselves
- Fire legal liability coverage: Can pay for fire-related damage to your rented beauty space
- Medical expense limit: Can cover medical bills for third-party injuries that happen at your business, regardless of who’s at fault
Why Do I Need Cosmetology Liability Insurance?
Cosmetology means working closely with clients every day — and with that comes real risk. A client reaction to a chemical treatment, a slip in your salon, or a complaint about a service can quickly turn into a costly legal claim. Without insurance, those costs come out of your pocket.
Cosmetology insurance from Insurance Canopy helps cover the claims that come with your craft, so one unexpected moment doesn’t threaten the business you’ve built.
Coverage Details
General & Professional Liability Aggregate
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$3,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Damage to Premises Rented to You
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
$300,000
Inland Marine (Tools & Supplies Coverage)
From +$2/Month
Cyber Liability Insurance
From +$6.58/Month
Fitness Trainer Endorsement
+$2.75/Month
Cupping or Microcurrent Endorsement
+$2.92/Month
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Purchase cosmetology insurance online in 10 minutes or less. Our ready-to-buy coverage is tailored for the beauty industry, providing instant proof of insurance, seamless additional insureds, and real peace of mind to cut, color, and glam confidently.
FAQs About Insurance for Cosmetologists
What Cosmetology Services Are Covered?
Insurance Canopy’s cosmetology insurance covers the core services of your business, including:
- Haircuts, coloring, and styling
- Makeup application
- Eyelash extensions
- LED teeth whitening
- Brow shaping, tinting, and lamination
- Manicures and pedicures
- Barbering
Cosmetology insurance also covers cosmetology students training toward licensure! Explore our beauty professional insurance page to see what else your policy covers.
Does My Salon’s Insurance Policy Cover Me?
No, if you’re an independent cosmetologist renting a chair at a salon, that salon’s insurance policy typically does not cover you. That’s because you operate as a separate business. Carrying your own policy helps protect your work in case of claims, and salon owners typically require proof of coverage before they even rent a station out to you.
Does My Coverage Follow Me if I Work at Multiple Locations?
Yes, your Insurance Canopy coverage follows you wherever you work — whether at multiple salons, clients’ homes, or event venues. Make sure your primary business address is up to date in your user dashboard, and you’re all set to beautify clients on the go.
What Other Coverages Should I Add?
Customize your policy with any of our coverage add-ons:
- Inland marine: Coverage for your movable beauty tools and supplies in case of theft or damage
- Cyber liability insurance: Can cover the costs of recovery and support if your business experiences a cybersecurity incident
- Cupping or microcurrent endorsement: Extends your liability coverage to include specialized cupping or microcurrent services
- Fitness trainer endorsement: Adds coverage for fitness instruction, such as yoga or personal training, if you also offer these services through your business
*Currently unavailable for purchase in Missouri.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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