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.

Why do I need insurance?

Unfortunately, even the most safety-conscious professional henna artist can have incidents with clients. Liability insurance can protect you from clients who have allergic reactions from products or slips and falls. With Alternative Balance, you can relax and focus on your art. You won't find a policy like this anywhere else! Our policy 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.

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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!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your business—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

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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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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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Call: 1-800-871-3848

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Henniker, NH 03242

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