Get instant cosmetologist insurance from Alternative Balance. We make it easy for you to protect the investment you made in yourself. You have received specialized education and training to provide your clients with a wide variety of hair and beauty needs. Your training helps you stay safety-conscious about your clients' experience at your salon to ensure they have a good experience.

If you employ others, we also offer liability insurance for salon owners.

NEW!! Now offering coverage for permanent cosmetics! Learn more here!

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Our cosmetologist insurance includes professional and general liability, defense costs, premises liability and much more. This program is available to full-time workers, part-time workers and trainees and even salon owners/employers. To see a full list of coverage provided, please see our Coverages page. Also check out our list of state regulations for cosmetologists!

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

Beauty Examples

What if??

Wondering what kind of claims could be covered by beauty insurance? We've got some examples to make it easy.

  • General Liability: Chair breaks, customer falls and breaks their arm.
  • Professional Liability: A client sues you because they claim that you ruined their hair when applying color, and they can’t go to work because of their appearance, meaning they are losing out on pay.
  • Damage to Premises Rented: The sink gets clogged while washing someones hair and overflows, damaging the floor in your rented space and the ceiling below.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

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Cosmetologist Insurance


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Member Benefits

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Cosmetologist Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional 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.

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 products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

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

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.