Coverage for beauty, cosmetology & barber schools
General liability and professional liability for cosmetology, nail technician, barber, and aesthetician schools — generally intended to respond to a covered claim arising from student work on a client. Get a quote and the certificate your state board or facility requires.
General liability
Generally intended to address third-party bodily injury and property damage at your facility.
Professional liability
Generally intended to respond to a claim that student work on a client caused injury or an adverse reaction, subject to the policy form.
Board & facility COI
State boards and facilities commonly require a certificate of insurance before you can operate.
Tell us about your school
Students, instructors, what you teach, and a few safety questions — including whether you offer esthetician training — then we'll work toward a quote.
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Frequently asked questions
What does beauty school and barber school insurance typically cover?
Most schools carry general liability alongside professional liability — generally intended to respond to a claim that a student's work on a client caused injury or an adverse reaction, in the event of a covered claim. Programs commonly consider the number of students and instructors, and what you teach.
Does offering esthetician training (facials, microneedling, skin treatments) affect eligibility?
It can. Esthetician training — facials, microneedling, and other skin treatment services — carries a distinct exposure from hair, nail, and makeup instruction, so the quote form asks about it directly. It doesn't disqualify you, but it does change which carrier is the right fit.
We have tanning beds — does that matter?
Yes. Tanning beds are a specific underwriting question carriers ask about, so let us know if your school has them.
We sell or repackage our own product line — is that covered?
Repackaging or relabeling products under your own brand (a common practice for schools with a retail line) carries a product liability consideration that's distinct from instruction. Tell us on the quote form.
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