Health and Beauty Insurance

Health and Beauty Insurance

As a small business owner in the field of health and beauty, you are used to working in a fast-paced environment. Competition is fierce, the work is labor-intensive, and requires individuals who care for their customers’ needs. In the U.S., working in the health and beauty industry is a very popular career choice. According to the Bureau of Labor Statistics for 2014, the total number of people employed in salons and other personal care services was almost 2.4 million. Many of these individuals own their own health or beauty establishment. Just in the hair styling industry alone, including salons and barbers, there are over 86,000 businesses.

As the owner of a salon, spa, studio, or gym, you understand the rewards and difficulties of being your own boss. You get to promote wellness, enhance beauty, and provide relaxation. To be successful, you will likely need to have prior experience and education in the field. You need to be concerned with your customers’ satisfaction, the safety of everyone involved, and have the proper supplies and personnel. Most importantly, to protect your assets, you need to have the proper insurance.

Small business owners offer a variety of health and beauty services.  Each type of treatment, service, or practice requires specialized insurance based on the risks involved.


Estheticians are trained to work with clients to assess and treat skin care issues. They utilize skin care products and technology designed to improve the overall look and health of your skin. Working so closely with clients can present certain risks. For example, a customer could react poorly to the treatments and sue you for malpractice, injury, or negligence. Having the proper insurance will help protect your small business.

Learn more about esthetician insurance >

Hair Dressers and Barbers

Owning a hair salon or barber shop is a popular career choice. There are thousands of establishments all over the country. You may also choose to work as a professional within an already established salon. As a hair dresser, you likely offer a variety of services, like hair cuts, styling, permanents, and hair dying and highlighting. While you may have dozens of satisfied customers each week, not all clients will be so happy. Most people have a story about the worst haircut they can remember. Not all of us act to repair the damage, but those that do may even file a lawsuit. That’s why having the proper insurance can help to protect you.

Learn more about hair dresser and barber insurance >


Spas are meant to be sanctuaries. A place where clients can go to receive a variety of beauty and relaxation services like massages, makeovers, and hair removal. This is why owning a spa is a popular business venture for many individuals involved in the cosmetology and massage therapy industries. Unfortunately, not all of your clients will have the rejuvenating experience they were hoping for. You will want to make sure you are protected against the risks of faulty equipment, products, or unskilled employees.

Learn more about spa insurance >


Cosmetologists are trained in a variety of skills, including hair styling, cosmetics, and manicures and pedicures. As someone with a wide skillset, you may want to open your own spa or beauty salon. There are also options to work from home or in your client’s homes. As a professional cosmetologist, you will have specific insurance needs. Cosmetology insurance is designed to protect you against liabilities such as malpractice, negligence, and personal injury.

Learn more about cosmetologist insurance >


Similar to spas, salons are designed to provide clients with beauty treatments and products designed to make them feel better about themselves. Many people enjoy an occasional trip to a salon so that they can be pampered. Working in a salon, or as a salon owner, exposes you to certain risks. Accidents can happen, and it is important to have to right insurance.

Learn more about salon owner insurance >

Massage Therapy

Massage therapists are fortunate because their skillset means that they have the ability to work in a variety of different settings. You can work in a salon, retirement or nursing home, medical office, or from home. You may even offer massage therapy in the client’s home. Being exposed to these environments presents a lot of different risks. You are likely concerned about your equipment, like your massage table, the client’s well being, and your own assets. Therefore, having the proper massage therapy insurance is essential.

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Reiki practitioners are trained to reduce their client’s stress and promote relaxation and healing. This ancient Japanese technique is considered a type of alternative medicine and focuses on transferring positive energy. As a reiki practitioner, you may own your own business or work for a salon or alternative medical facility. Any employment position that requires direct interaction or physical contact with the client means that there are risks. It is highly recommended that you purchase insurance to protect yourself and your business.

Learn more about reiki insurance >


Acupuncture is also a form of alternative medicine. It is the Chinese practice of placing thin needles at strategic pressure points on the body. Acupuncture is designed to promote the positive flow of energy, treat pain, and promote relaxation. As an acupuncturist, you likely work for a spa, in a medical facility, or own your own business. Though your job involves working to promote a positive mind and body, accidents can happen. The information in the following link will explain more about the specific insurance policies you should purchase to protect your acupuncture practice.

Learn more about acupuncture insurance >

Tanning Salon

Over the past two decades, tanning has become a popular activity and there has been an increase in the number of tanning salons.  Owners of tanning salons typically have tanning beds and spray tanning booths that are designed to darken the skin. Owning this type of establishment may be lucrative, but there are also risks involved. You will want to make sure that the equipment is insured from damages or improper use, that you are not liable for any accidents that may occur, and various other issues.

Learn more about tanning salon insurance >

Yoga Studio

In today’s fast-paced world, knowing a skill like yoga can help to promote healthy living and a relaxed frame of mind. Spreading that knowledge to others is an important aspect of being a yoga studio owner. Over the past decade, yoga has become a popular activity in the U.S. and has spurned alternative practices like hot yoga, power yoga, and prenatal yoga. Though it can be a rewarding career, studio owners need to be aware of the risks involved, such as bodily injury. Having the right insurance will help to protect your business.

Learn more about yoga studio insurance >


Much like yoga, Pilates is a form of exercise designed to improve mind and body wellness. Through a series of controlled movements, a person is able to improve their strength and flexibility. Someone who owns a Pilates studio generally has had training in the practice and wants to encourage others to take part. As a small business owner, you likely have employees, students, and instructors, not to mention the necessary Pilates equipment. Even individuals who strive to be careful can sometimes have accidents and other issues while practicing or teaching Pilates. Therefore, it is important to have the correct insurance to protect against these risks.

Learn more about Pilates insurance >

Health Club

Gyms, fitness centers, and health clubs are everywhere. Many people belong to a gym in order to take advantage of the classes and equipment. As a gym owner, your primary focus is to promote healthy and active living. However, you need to be prepared for the risks involved in owning a gym. Someone may have a heart attack while taking a fitness class, or they may use the equipment wrong and suffer an injury. Whatever the issue may be, having the proper insurance will help to protect your assets.

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Dance Studio

Dance studio owners have the talent and drive to launch their own business for the purpose of teaching dance skills to others. From managing the studio to organizing dance recitals and everything in-between, the owner has a myriad of responsibilities. However, there are also certain risks involved in working so closely with employees and students. Having the proper insurance, tailored to your business needs, will help to protect you against issues like bodily injuries and equipment and property damage.

Learn more about dance studio insurance >

Martial Arts

Much like a dance studio, a martial arts studio owner is there to promote and teach certain skills. Martial arts is a physical sport that involves controlled movements, but also physical contact with equipment and other individuals. The participants involved in martial arts are often young children and there are risks involved. As a studio owner, you are probably aware that you need insurance to protect your business, but there are specific coverage types that you may also want to invest in.

Learn more about martial arts insurance >

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.