Professional Liability Insurance
What is Esthetician Professional Liability Insurance?
As a skin care professional, your hands and your tools are your livelihood. Professional Liability protects you if a client claims that a treatment you performed caused them physical harm, scarring, or emotional distress.
Even if you follow every protocol perfectly, a client can have an unexpected reaction. This insurance steps in to cover
legal defense costs and
settlement fees, which can otherwise bankrupt a small business or solo practitioner.
What Does it Cover?
- Treatment Errors: If a chemical peel is left on too long or a wax is too hot, causing a burn or skin lifting.
- Allergic Reactions: If a client has a severe reaction to a product used during a facial that leads to medical expenses.
- Claims of Negligence: If a client alleges you failed to provide a proper consultation or didn't follow safety standards.
- Infections: If a client claims they developed a skin infection following an extraction or microdermabrasion session.
Why You Need Specialized Coverage
Generic insurance policies often exclude "professional services." Because you are touching the client’s skin and using professional-grade chemicals and equipment, you need a policy that specifically names Esthetics as a covered profession.
Contact us to learn more about the right professional liability insurance for you.
1111 6th Avenue, STE 550, San Diego, California 92101, United States