Best Esthetician Insurance Companies

Based on our in-depth reviews and comparisons of multiple carriers, we determined the best esthetician insurance company overall is the National Association of Complementary and Alternative Medicines (NACAMS).

Arch Specialty Insurance underwrites NACAMS’s esthetician insurance policies. Arch’s financial strength was rated A+ (Superior) by AM Best. It also has very few customer complaints for its size, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.

The company’s esthetician insurance policies include $2 million of coverage per occurrence and a $3 million aggregate limit for general liability and professional liability insurance. There is a $2 million limit for product liability insurance, as well as coverage for identity theft, stolen business property, and rental damage. NACAMS sells policies for part-time and full-time estheticians that include the same amount of coverage.

NACAMS is one of the few companies we reviewed that sells occurrence policies, which cover incidents that happen while your policy is in force, regardless of when the claim is filed. If your policy expires, you can still file a claim for an incident that occurred during the policy period. However, NACAMS may have a time limit for how long beyond expiration you can file a claim.

Although we named NACAMS as the best esthetician insurance company overall, its coverage is somewhat limited compared to other companies we looked at. For example, NACAMS doesn’t offer commercial car insurance or workers' compensation, both of which are offered by several other companies on this list.

Associated Skin Care Professionals (ASCP) is our runner-up for best esthetician insurance. 

ASCP has a few standout strengths that made it rank highly. First, its aggregate coverage limits are higher than most of the insurers on this list. Policies include $2 million per occurrence and $6 million aggregate limits for general liability, product liability, and professional liability insurance. You can also get business property insurance as an endorsement with coverage limits of $10,000 or $25,000.

Like NACAMS, ASCP’s esthetician insurance is an occurrence policy, which can provide additional peace of mind. It’s also one of the few companies we came across that allows you to add additional insureds for no cost (many other insurance providers charge a fee for every additional insured you add).

If you’re a current ASCP member and perform advanced services, like microblading, laser hair removal, or body contouring, you may be eligible for Advanced Modality Insurance (AMI), a supplement to the basic ASCP liability policy. There are two tiers of AMI coverage available, and the cost depends on the specific services you are providing. 

The company’s drawbacks are that it has high premiums compared to other insurers we reviewed, and the A- (Excellent) rating that AM Best gives ASCP’s underwriter (Allied Professionals Insurance Company) is the lowest grade on this list.

Of the providers we reviewed, The Hartford is one of our top recommendations for salon or spa owners who want reliable coverage across multiple insurance lines. The Hartford has been in business since 1810 and has an A+ (Superior) financial strength rating, making it a reputable provider.

You can get an esthetician's business owners policy (BOP) from The Hartford. In addition, you can add workers’ compensation, commercial auto insurance, and cyber liability insurance to your BOP for additional protection.

Another thing we like about The Hartford is that the billing options are flexible. There are at the very least annual and monthly payment options. Other options such as semi-annual may be offered as well.

Based on our review, we named Next the best esthetician insurance company for policy management because you can manage your account through an app. Next also offers multiple policy types.

Whether you need to view Certificates of Insurance (COIs), update your payment preferences, or file a claim, you can do so through the online customer portal or the Next mobile app. Plus, you can get a quote, apply, and purchase a policy online. If you have questions, you can use Next’s online chat feature to connect to an agent during business hours. 

For beauty and esthetician businesses, Next suggest general and professional liability insurance to protect you and your business. If needed in your situation, they also offer additional coverages such as commercial auto and workers' compensation.

Premiums tend to be affordable with professional liability costing as little as $18.34 monthly. General liability costs as little as $11 a month.

Aggregate limit options with Next may be lower with Next than with others on this list. However, Next's underwriting company Munich Re has an A+ rating from AM Best.

If you want the cheapest esthetician insurance, Insured Body Work, also known as Beauty and Bodywork, is the provider to consider. Out of the best companies in our roundup, Insured Body Work has the lowest premiums. All esthetician insurance policies cost $96 and student liability policies cost $67. Like most of the other providers on this list, you can easily apply online.

An esthetician insurance policy from Insured Body Work includes $2 million per claim and a $3 million aggregate for general liability and professional liability, and a $3 million aggregate for products and completed operations insurance. Personal and advertising injury insurance is included at no cost, and you also get $300,000 in coverage for damage to premises rented to you. 

While Insured Body Work’s esthetician insurance policy is fairly comprehensive, you have limited choices for other coverage. For example, you can add business property coverage (tools & supplies) but the maximum coverage limit is $2,000. Also, you can’t customize your policy with other coverages such as workers’ compensation or commercial auto insurance.

Another thing to know about Insured Body Work is that you must pay your entire premium upfront; there are no other billing options or payment plans available.

While many of our top-rated providers have good financial stability, Berkshire-Hathaway-backed Three Insurance has the highest rating, with an A++ (Superior) grade from AM Best. This indicates that Three Insurance is likely to pay claims and meet other policyholder obligations.

In addition to its excellent financial strength, Three Insurance also offers a simple, three-page policy. This is where the company name comes from. They say that it's easy for anyone to read and understand unlike traditional policies.

Through Three Insurance, you can purchase several types of coverage, including general liability, commercial auto, cyber liability, workers’ compensation, commercial property, and employment practices liability insurance. You can choose your coverages and get a quote online, but you must work with an agent to purchase a policy.

One of the biggest drawbacks we found was the company’s mixed complaint record over the last three years. The NAIC Complaint Index measures if a company the received more or less complaints than expected for its size. A 1.00 is average, less than one is good as it means fewer complaints than average, and greater than one is poor as it means more complaints than average. In 2021, the company's complaint index was exactly 1.00. In 2020, it was a high 1.88, but in 2019 it was a decent 0.79.