LIABILITY INSURANCE DESIGNED JUST FOR HENNA ARTISTS

Henna is a flowering plant used for centuries to dye skin, hair, and clothing. The henna plant is most often traded as a powder made by drying, milling, and sifting the leaves, at which point the powder is mixed with lemon juice, tea, or other liquid to make a paste used to paint on the skin. Black Henna is excluded on our policy.

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What coverage is included in my henna artist liability insurance?

Visit our Coverage page for more specific information about the types of coverage included in our plan.

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

NOW INCLUDED WITH YOUR MEMBERSHIP!

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get Participant Accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

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Henna Artist

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Henna Artist 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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On January 2, 2026

We do not cover black henna at this time.

On January 2, 2026

Yes, our policy covers your henna business any time of the year, wherever you provide your service.

On January 2, 2026

Bodywork would be the category for henna on the application.

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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 for 7 days or less. It does not apply to permanently leased locations.

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.

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Say hey to our member, Gemma Jones! 💟What she does: At Caltrology Electrolysis, our team views both inner and outer beauty as unique forms of art and avenues for self-expression. Each individual’s skin and hair narrate their personal journey and distinctiveness, which we celebrate through our clients' self-care, including their hair removal solutions for unwanted hair. From advanced electrolysis to gentle waxing and eco-friendly sugaring, we have a strong mission to help our clients feel great in their skin. What makes us unique is that our mission extends beyond just individual hair removal treatments to include advocacy for broader access to necessary care. As passionate supporters for women who suffer from hirsutism or PCOS, our team is dedicated to ensuring that essential services like electrolysis eventually become recognized and covered by insurance, providing relief and support to those affected by these conditions. 💟What she says about Alternative Balance: I feel comfortable and confident performing electrolysis treatments on clients (which involves inserting fine needles into individual hair follicles and applying electrical current to destroy the source of hair growth) because I’m backed by a prestigious insurance company with a great customer-satisfaction track record! #ABmembers #ABfeaturedmember #californiasmallbusiness #californiabusiness #hairremovalbusiness

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Alternative Balance has been instrumental in providing me with great insurance coverage and ensuring peace of mind for both myself and my business. Their comprehensive policies have safeguarded me against potential risks and unforeseen events, allowing me to focus on running my business with confidence. Knowing that I have reliable protection in place has alleviated any worries about potential financial losses or liabilities.

Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

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