Eyelash Extensions Insurance
Coverage built around the close-contact, eye-area work of a lash artist.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage in your studio or station
- ✓Professional liability insurance, also called Errors & Omissions (E&O) insurance, intended to respond to allegations that an application caused harm such as an adhesive reaction or eye injury
- ✓Allegations of infection, irritation, or chemical burns near the eye area, since the service contacts a sensitive part of the body
- ✓Additional-insured status a salon may require if you work from a rented space
Coverage products commonly considered
Most eyelash extensions operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A client alleges the lash adhesive caused an allergic reaction and a corneal abrasion. Because the service is performed against a sensitive area, professional liability insurance — also referred to as E&O insurance — is generally intended to respond to allegations of this nature in the event of a covered claim.
- A client develops an eye infection she attributes to a lash appointment. Coverage for an allegation of this type depends on policy form, exclusions, and the facts presented.
Frequently asked questions
Why is eyelash extension work considered higher risk?
Because the service is performed directly against the eye area and uses adhesives, the potential for irritation, reaction, or infection is greater than with many other beauty services. For that reason, professional liability insurance — also called Errors & Omissions (E&O) insurance — is commonly emphasized alongside general liability. Coverages vary by carrier and state.
Does it matter which products and adhesives I disclose?
Yes. Accurately disclosing the adhesives, removers, and techniques you use generally matters, because procedures or products that were not disclosed may not be addressed in the event of a claim. A licensed insurance professional can help confirm what to list on the application.
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