Esthetician Liability Insurance

When we talk about the close and physical work that estheticians perform on their clients, we are talking about all those services that are on your menu and available to clients. Services such as waxing and extraction facials bring you up close and personal with your clients, and there is an element of risk involved with this type of work.

When you add in the fact that estheticians are often working with potentially dangerous products and tools, the risk of a client suffering some kind of harm seems to go up. For example, if a client has booked an appointment with you for a brow wax, but the heat on your wax somehow got turned up too high, you might end up burning that client during the session. Remember: Even the most careful and professional esthetician is not immune to accidents or equipment malfunctions now and again.

In the above example, if the client who was burned during the brow wax decided to sue you for the damages she suffered, then you would want liability insurance on your side. If you did not possess insurance, then you would have to bear the financial burden of the legal process and possible settlement cost.

With esthetician liability insurance, however, the high cost associated with claims does not come out of your own pocket. An esthetician policy is designed specifically to provide the necessary financial support and coverage in incidents  such as the one described above.

Many different services may fall within the skill set of a successful professional esthetician. These services might include everything from waxing and soothing facials to chemical peels and microdermabrasion. In this industry, where you work so closely and physically with each client, it is important to have solid esthetician liability insurance on your side. Securing insurance means you will have malpractice liability coverage, which is essential when involved with risk.

Sometimes things happen that are out of your control. Items get stolen, a client has an allergic reaction to a product, or your professional equipment is damaged. This is why NACAMS includes Product Coverage, Rental Damage Insurance, and Stolen Equipment Insurance with our General and Professional Liability Coverage. These can help you out in case one of these unexpected occurrences happen.

  • Acne treatments
  • Body scrub
  • Chemical peel (no lasers)
  • Cold Light Series 6 Facials
  • Color consultations
  • Cosmetic massage
  • Dermaplanning
  • Eyebrow shaping
  • Eyebrow tinting

  • Microdermabrasion
  • Pedicures
  • Salt scrubs
  • Skin peels
  • Ultra sonic facial
  • Ultra sound facials
  • Vitamin C peels
  • Waxing

  • Eyelash Extensions
  • Facials
  • Hair removal (no lasers)
  • Herbal wraps
  • Instruction
  • Make-up (not permanent)
  • Manicures
  • Micro-current Toning
  • Micro needling

NACAMS Professional Policy for Estheticians

  • Professional & General Liability Insurance:
    $2 million per occurrence,$3 million individual annual aggregate
    Product Coverage: $2 million
    Rental Damage Insurance: $100,000
    Identity Protection Plan
    Stolen Equipment Coverage: $1,000*
  • PLUS Free Professional Website and
    Exclusive Member Discounts
  • Instant Coverage in minutes!
Esthetician Liability Insurance
*$250 deductible applies to Stolen Equipment Coverage.

Compare Esthetician Insurance Providers

Associated Hair Professionals

Salon Spa Professional Trade Association

Health and Beauty Association (NAMT/ former IMA)

Professional & General Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
$1 Million Per Occurrence
$3 Million individual aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Occurrence-Form Coverage Yes No No Yes
Product Liability
$2 Million/ occurrence
$2 Million/ occurrence
$1 Million
$2 Million/ occurrence
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
$300,000 (Fire and Water only) $100,000
Stolen Equipment Optional—Add $100 $2,000 No $1,000  *$250 deductible
Required CE hours
No No Hours Required for Insurance
Hour Qualification
Yes No Hours Required for Insurance
Identity Protection Plan No $15,000 No $25,000
Annual Fee
$229 – $249/yr
Starts at $159/yr Professional
$25 first-year Student
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. APPLY NOW   >


Professional & General Liability Insurance
Occurence- Form Coverage
Product Liability
Rental Damage Coverage
Stolen Equipment
Required CE hours
Hour Qualification
Identity Protection Plan
Annual Fee $235 $199 $165 Starts at $159


NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information.

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Esthetician State Requirements

Estheticians provide priceless services to their clients, helping each client look and feel wonderful. NACAMS provides liability insurance for estheticians nationwide so that each esthetician can focus on doing the best work possible while not having to worry about any “what-ifs” that could go wrong during the course of a treatment.

For one low flat fee, estheticians can receive the quality, comprehensive coverage they deserve, avoiding the costly impact that a lawsuit can bring. Even the most careful esthetician can make a mistake, or encounter one of those hard-to-please clients that finds fault in a treatment, even if nothing really went wrong.

Learn more about what it takes in each state to become a licensed esthetician and any additional liability insurance requirements for business owners or individual practitioners. Learn More >