Beauty Professional Insurance
Protect your passion with insurance designed for your craft
- Coverage for 250+ beauty services
- Instant Certificate of Insurance (COI)
- Fast, easy, and affordable coverage
- You’re covered wherever you work
- $15 per additional insureds | $30 for unlimited
Or $96/Year
4.8/5 on
All Beauty. Every Service. Covered.
No matter how you help clients look and feel their best, Insurance Canopy has your business covered. Check out some of our most popular coverage options:
Don’t see your product listed? Don’t worry, our experienced agents may still be able to tailor a policy for your specific needs.
Coverage Details
General Liability Limits
1 Additional Insured: $15, Unlimited Additional Insureds: $30
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.
$3,000,000
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 your products that are sold or distributed.
$3,000,000
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
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
$300,000
Additional limits
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
$2,000
Deductible
$100
Breathe Easy
We get it. Accidents happen, but with Beauty and Bodywork Insurance, you’re not alone. While you’re out there caring for your clients, we’ll be here, keeping you protected.
Client tripped and fell - $3,788 (Esthetician)
Inflammation from extensions - $1,032 (Eyelash Extensions)
Numbness from massage - $118,121 (Massage Therapist)
Scalp burn from hair dye - $252,770 (Hair Stylist)
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Take Advantage of Our Qualified Agents
Canopy Insurance has more than a decade of experience in the insurance industry. Each one of our agents is an experienced, licensed insurance agent. You can trust them with any of your questions or concerns. Our agents can provide you a quote with a quick turnaround time, so you can focus on more important things like growing your business.
Broaden your Coverage with Endorsements
If you don’t see something in the basic coverage that you would like added to your policy, Insurance Canopy offers different endorsements for each policy. For example, we offer a cupping endorsement if you practice cupping.
Enjoy the Flexibility of Insurance Canopy
Insurance Canopy lets you set the effective policy date. When you purchase a policy from Insurance Canopy you receive a proof of insurance Site Seal so you can show your clients that you’re credible. You have the option to purchase a policy monthly or annually. You can also cancel your policy at any time. Feel free to ask our licensed agents any questions you may have.
What’s Covered by Beauty Professional Insurance?
General Liability Coverage
A client slips and falls on water at the shampoo station.
General liability insurance is designed to cover third-party injuries and property damage that happen at your business.
Professional Liability Insurance
A client claims you made a mistake when mixing their hair color, resulting in severe chemical burns on their scalp.
Professional liability insurance is essential for every beauty pro. It’s designed to cover claims of professional mistakes or unmet expectations.
Products-Completed Operations Coverage
The foundation you use on a bridal client causes an allergic reaction the next day.
This coverage can kick in to protect your business if your products or services harm a client after they leave your chair.
Cyber Liability Coverage
Hackers steal your clients’ credit card information from your payment processing system.
This add-on coverage is designed to help you recover from cyberattacks on your business, including notifying clients, credit monitoring, and restoration.
Damage to Premises Rented to You
An exposed hot tool cord causes a fire at the salon suite you rent.
This coverage (part of general liability insurance) is designed to help pay for property damage caused by your business in the space you rent.
Personal and Advertising Injury
A competitor claims you copied their logo on social media.
If your beauty business causes non-physical harm to clients or other third parties (like libel, slander, IP infringement, or advertising mistakes), this coverage can help make things right.
Tools & Supplies Coverage
Your entire makeup kit, cart, and business tablet are stolen while you travel to an appointment.
Tools & Supplies Coverage (inland marine) covers your movable business items in case of theft or damage.
Additional Insureds
A salon owner asks to be listed as an additional insured on your policy before you can rent a booth at their location.
Easily extend your coverage to qualified third parties (salon or spa owners, landlords, or events) with an additional insured endorsement.
Sexual Abuse & Molestation (SAM) Insurance
A client misinterprets your touch during a styling service and claims you acted inappropriately.
SAM insurance is an optional add-on that protects you in case you face claims of improper conduct at your business. Currently unavailable for male massage therapists.
Workers Compensation Insurance
Your nail salon employee develops a wrist injury from the repetitive movement of manicure service.
Protect your staff and business in case your employees experience work-related injuries or illnesses (required in most states).
Why Choose Insurance Canopy?
At Insurance Canopy, we believe insurance should be easy, accessible, and affordable for educators like you. Our team of U.S.-based licensed insurance agents doesn’t work on commission, so you can rest assured knowing they’re here to help you get the coverage you need. Plus, we have an A+ rating from AM Best, so you know you’re getting top-class coverage.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies to suit your unique needs
- 24/7 access to your policy documents
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Questions About General and Professional Liability Insurance
Why Choose Insurance Canopy for Beauty Professional Insurance?
Canopy Insurance offers general and professional liability insurance, endorsements and additional insureds. At a competitive price, you have the flexibility to purchase your policy annually or monthly. You can purchase online in a quick 10 minutes, and can chat with an agent with any questions you may have. We make it easy for you to sign up through Facebook, Google or set up an account with your email address.
Is Your Insurance Policy Effective Immediately?
Yes. You set the effective date of your policy when you are purchasing your policy. Coverage begins as soon as your purchase is completed, and you also get a badge for proof of insurance.
Can You Cancel Your Policy at Any Time?
Yes. You may cancel your policy at any time, but there is no money back guarantee on months that you had already paid for.
Beauty Liability Insurance
Protect your beauty business with affordable, top-rated liability insurance. Think of it as an essential spritz of setting spray, locking in your artistry, passion, and services long-term.
Get peace of mind to focus on doing what you love: beautifying clients, one appointment at a time.
Related Articles
Do I Need Product Liability Insurance to Sell Beauty Products?
You’ve poured your heart into your beauty brand — mixing scrubs in your
Skincare Product Liability Insurance: A Full Coverage Foundation for Your Small Biz
You’re not just mixing up moisturizers, you’re building a meaningful brand with your
6 Insurance Secrets I Learned As An Underwriter For Beauty & Cosmetics Products
Sometimes an underwriter can be like the character The Banker on the TV