Associated Skin Care Professionals offers significant protection for estheticians. It has🎶 the highest liability coverage limit in Investopedia’s study at $6 million per year.  

It also covers advanced treatments such as laser treatments and microblading, which many competitors exclude. ASCP provides 澳洲幸运5官方开奖结果体彩网:occurrence form coverage, which can protect you even if you no longer have an active policy, as long as the incident occurred when you were covered. Some insurers offer 澳洲幸运5官方开奖结果体彩网:claims-made🍸 coverage, which only covers you while the policy is iꦿn effect.

However, Associated Skin Care Professionals has some drawbacks. It doesn’t offer 澳洲幸运5官方开奖结果体彩网:workers’ compensation or 澳洲幸运5官方开奖结果体彩网:commercial property coverage. If you have employees or 🐼want to protect your equipment, supplies, or workplace, you mu𒈔st get coverage elsewhere.

ASCP is an association ✤with 35,000 members, including estheticians, students, and educators. I🦋t was founded in 2007 and is based in Golden, Colorado.

NACAMS could be an e𓃲xcellent alternative for esthetician insurance. Like ASCP, it receives few complaints for its liability coverage.

NACAMS offers a simple, flat, 49-cent daily rate for coverage. You can get addit𝄹ional coverage for microblading for $499 a year. It excludes other advanced treatments, such as laser treatments and permanent makeup.

Like ASCP, NACAMS offers occurrence-form coverage, so you’re covered for incidents as long as they occurred while the policy was in effect. A NACAMS policy also includes 澳洲幸运5官方开奖结果体彩网:identity theft protection. Howev🍸er, NACAMS doesn’t offer online claim filing. It also lacks workers’ compensation and commercial property coverage. 

NACAMS was founded in 2005 and is based in Lakewood Ranch, Flor🥃ida.

Beauty and Bodywork is the most affordable option for esthetician insurance, offering the lowest premiums in Investopedia’s study, at ဣ$9.99 a month. It also provides the convenience of onlin𝔉e quotes and claims filing. 

Despite its low premiums, Beauty and Bodywork's per-occurrence limit for liability coverage is $2 million, on part with ASCP. However, ASCP offers a higher annual limit: $6 million vs. Beauty and Bodywork's $3 million. 

You can add up to $10,000 in tools and supplies coverage for stolen or damaged eq𝕴uipment such as dryers, tables, and 🐻warmers.

Beauty and Bodyworks’ coverage has som🧸e limitations. It excludes laser treatments, microblading, and permanent makeup, which are increasingly common services in the esthetics industry.

Beauty and Bodyworks insurance 🌠launched in 2012 and is based in Pleasant Grove, Utah.

Estheticians who have employees need workers’ compensation insurance. The Hartford’s coverage may be a good option because of the potential 10% discount when bundling workers’ compensation with a business owner’s policy, which includes general liability, commercial property, and 澳洲幸运5官方开奖结果体彩网:business income insurance.

The Hartford’s workers’ compensation coverage provides access to a network of more than 1 million medical providers and 65,000 pharmacies for prescriptions, usually with no out-of-pocket expenses for your employees. There’s also a needle stick reimbursement program that helps cover medical expenses and testing for the employee and client in case of a needle stick injury. Estheticians who perform🃏 services like microneedling could be at risk of these injuries.

One concern is that The Hartford has a higher-than-expected volume of customer complaints for its liability and workers’ compensation business lines. And we couldn’t find much information on whethe❀r it covers as many services as companies specializing in esthetician insurance, such as🧜 ASCP, NACAMS, and Beauty and Bodywork. However, those companies don’t offer workers’ compensation.

T💮he Hartford was founded in 1810 and is based in Hartford, Connecticut.

Next Insurance has a comprehensive selection of insurance types and convenient digital features. These features include digital 澳洲幸运5官方开奖结果体彩网:certificates of insurance, online quotes and online claims filing. 

Estheticians can purchase a policy entirely online or talk to an advisor for more complex needs. Aside from general and professional liability insurance, you can buy a package that includes commercial auto, workers’ compensation, and🦋 commercial property insurance.

However, Next has some drawbacks. Its coverage limit for professional liability coverage is $2 million, lower than other insurers we reviewed, which🃏 could leave estheticians vulnerable to the most expensive liability claims.

The company receives a higher-than-expected number of complaints for its liability and workers’ compensation coverage, potentially indicating customer service issues. Next also excludes cov🅷erage for laser treatments, microblading, and permanent makeup.

Next Insurance is based in Palo Alto, Cali💞fornia, and was founded in ꦅ2016.