How Much Does Esthetician Insurance Cost? 2025 Rates

U.S. estheticians can expect to pay between $420 and $600 annually for comprehensive business insurance, averaging $35 to $50 per month. The primary cost drivers are coverage type, location, services offered, claims history, experience, and business size.

How Much Does Esthetician Insurance Cost?

On average, estheticians in the U.S. pay about $250 to $500 a year for basic insurance, but the actual cost can be very different for each person. Your price will depend on factors like the services you provide, your location, whether you have employees, and any past insurance claims. 

As an esthetician, you work closely with clients every day, using tools, products, and techniques that require skill and care. But even with the best training, accidents and mistakes can happen. That’s where insurance comes in.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

By keeping these factors in mind, you can get a clearer idea of the coverage you need and what you should expect to pay to property protect your business.

Average Esthetician Insurance Costs For Coverage Types

Here are the most common insurance policies estheticians buy and their average monthly costs:  

• General liability insurance: $35 per month
• Business owner’s policy: $78 per month
• Workers’ compensation insurance: $75 per month
• Commercial auto insurance: $152 per month
• Professional liability insurance: $46 per month

Our numbers are based on the median cost of insurance policies bought by estheticians. This means we use the middle price, not the highest or lowest. We also consider common factors like the services offered, location, and the amount of coverage chosen, so you can get a better idea of what estheticians typically pay. 

General Liability Insurance

The average cost of general liability insurance for estheticians is about $35 per month.

This insurance is one of the most important types of coverage for estheticians. It protects your business if a client gets hurt or if you accidentally damage someone’s property while working. 

Several factors impact the insurance cost, including the coverage limits you choose, size of your business, any endorsements you add, or the amount of foot traffic. 

This insurance usually includes product liability coverage. This helps protect your esthetics business if a customer is harmed by a product you use. 

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for esthetician businesses, compiled from both national carriers and regional insurance agencies. They reflect typical coverage limits for small-to-medium operations offering services such as facials, waxing, and skin treatments. Actual premiums will vary depending on business size, location, claims history, number of employees, and whether advanced procedures (like chemical peels or microdermabrasion) are included in the service menu.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $78 per month for estheticians.

A BOP is a bundle of important insurance coverages in one plan. It usually includes general liability insurance and commercial property insurance. It can also sometimes include business interruptions coverage. 

For example, if a small fire breaks out in your spa and damages your facial machines, massage tables, and part of the treatment room, the BOP would help cover the cost to repair the space and replace your damaged equipment.

A BOP typically costs less than buying each policy separately. Because it offers more protection at a lower cost, this is the policy we mostly suggest. Small esthetic businesses with lower risks can usually get a BOP. 

Policy limits: $1 million per occurrence and $2 million aggregate.

Cost factors include the property value, location risk (such as flood or crime rates), business revenue, number of employees, and any optional endorsements like business interruption insurance.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average Business Owner’s Policy (BOP) premiums for esthetician businesses, which typically combine general liability and commercial property coverage. Figures account for industry-specific risks such as client injury claims, professional liability exposures, equipment damage, and property coverage for treatment spaces. Actual premiums will vary depending on business size, services offered, location, coverage limits, and claims history.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for estheticians is around $75 per month.

Workers compensation insurance helps protect your employees if they get hurt while working. For estheticians, this can cover injuries from slips, burns, or reactions to products used in treatments. 

Several factors impact workers compensation costs, these include the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Policy limits are set by each state, but they generally cover medical expenses and a percentage of lost wages, usually with no fixed max amount. 

To follow your state’s rules and avoid fines, estheticians usually need to buy workers compensation insurance for their employees. 

Most policies also include employer’s liability insurance, which helps pay for legal costs if an employee sues for an injury at work. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Workers’ Compensation premiums for esthetician businesses, incorporating state-specific base rates, employee classifications, and payroll ranges typical of both small independent salons and larger spa chains. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices

Commercial Auto Insurance

The average cost of commercial auto insurance for estheticians is about $152 per month.

If your esthetician business uses vehicles, like cars or vans, for work, you need commercial auto insurance. This type of insurance will protect your business vehicles in case of accidents, theft or damage. 

Several factors impact commercial auto insurance costs for estheticians, including how much coverage you choose, who is covered, and the driving record of anyone who will be driving. 

Most states require commercial auto insurance for vehicles owned by a skincare business. For personal, rented, or leased vehicles used for business, you’ll need hired and non-owned auto insurance (HNOA) instead. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average annual premiums for esthetician businesses that operate small commercial vehicles such as sedans, SUVs, or vans used for mobile spa services, product deliveries, or client visits. Rates are based on blended averages from both small and large agencies, incorporating regional risk factors, liability coverage levels, and typical usage patterns in the personal care industry. Actual premiums will vary depending on business size, fleet composition, driving history, and insurer underwriting practices.

Professional Liability Insurance

The average cost of professional liability insurance for estheticians is about $46 per month.

This insurance protects estheticians if a client claims they were harmed by your service. This could happen if a treatment causes an allergic reaction, skin damage, or doesn’t give the expected result. 

For example, if a client claims that a facial treatment caused a bad skin reaction and sues you for negligence, professional liability insurance would help pay for your legal defense and any settlement or judgment.

Factors that impact the cost include things like how much coverage you want, how big your business is, whether you’ve had any past claims, and the kind of services you provide.

Policy limits: $1 million per occurrence; $1 million aggregate

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums offered by both small and large insurance agencies for esthetician businesses. Actual premiums will vary depending on factors such as business size, claims history, coverage limits, and regional underwriting practices.

Esthetician Business Insurance Costs By Provider

Esthetician business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for esthetician businesses, considering both small and large agencies. Coverage typically includes general liability, professional liability, business owner’s policy (BOP), and workers’ compensation. Actual premiums will vary depending on factors such as services offered (e.g., facials, waxing, chemical peels), location, number of employees, claims history, and coverage limits.

What Factors Impact Your Esthetician Insurance Costs?

How much you pay for esthetician insurance can vary from one person to another. Your cost depends on various factors. Knowing these factors can help you understand your pricing, compare options, and choose the right coverage for your needs. 

Type Of Esthetician Services

Different services have different risks. Basic facials usually cost less to insure than higher-risk treatments like chemical peels, waxing, or microdermabrasion. The more risky the service, the higher the insurance cost.

Location

Esthetician businesses in busy cities or places with higher crime or lawsuit rates usually pay more for insurance. A salon in a quiet suburban area with fewer claims often has lower premiums.

Size Of Your Business

A solo esthetician working alone pays less than a spa with many employees, more rooms, and lots of clients. Bigger businesses have more chances for accidents, which can raise insurance costs.

Equipment And Property Value

Expensive machines, skincare products, and salon furniture can increase your property insurance premiums. Some estheticians add extra coverage to protect their equipment against damage or theft.

Insurance Provider

Different insurance companies charge different rates. Some specialize in esthetician or beauty business insurance and might offer better prices or coverage. Getting quotes from several insurers helps you find the best deal.

Claims History

If you have made several insurance claims before, insurance companies see you as riskier and may charge higher rates. A clean record can help you get discounts.

Coverage Limits And Deductibles

Higher coverage limits give you better protection but cost more. Choosing a higher deductible (what you pay before insurance kicks in) can lower your monthly cost, but means more out-of-pocket expenses if something happens.

How To Lower Your Esthetician Insurance Costs

Insurance is important for protecting your esthetician business, but you don’t have to pay more than you need to. Here are some practical ways to lower your esthetician insurance costs:

1. Policy Bundles

Policy bundles can help lower your esthetician insurance costs by combining different types of coverage into one plan. Bundling also makes your insurance easier to manage because everything is in one place. It’s a simple way to save money. 

2. Ask About Discounts

Ask your insurance provider about discounts. Many companies offer savings for things like having a clean claims history, bundling policies, or taking safety training. You might not know these discounts exist unless you ask. 

3. Pay Annually

Paying your insurance once a year instead of every month can help you save money. Many insurance companies offer discounts for annual payments because it reduces their processing costs. If you can afford to pay the full amount upfront, it’s an easy way to lower your total insurance costs. 

4. Increase Your Deductible

The deductible is the amount you pay out of pocket before your insurance starts covering a claim. When you raise your deductible, your monthly or yearly premium usually goes down. Just make sure you pick a deductible amount you can afford to pay if something goes wrong. 

5. Pay Only For The Coverage Needed

Avoid paying for extras you don’t use or don’t need. Take a close look at your service, equipment, and work environment to decide what’s necessary. By keeping your policy focused on the essentials, you get the protection you need without spending more that you have to.