Short answer: Estheticians typically need professional liability for every treatment they perform, general liability, product liability and coverage for their tools. Advanced services like deep peels or microneedling may need endorsements.

The details

Employees are covered by the employer’s policy for work at that business, but independent side work needs its own policy.

List every treatment when you apply.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: esthetician insurance · membership vs. business policy.

More questions: What affects the cost of salon insurance? · Does salon insurance cover flood damage? · Does salon insurance cover employee injuries?.

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