Beautician's Professional Liability Insurance

A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.


1. Services of Hair Styling, Coloring, Perms: $175
2. Nail Services (Polishing or Filing Only): $175 (includes coverage #1 above)
3. Services of Nail Sculpturing (False Nails): $220 (includes coverages #1-2 above)
4. Services of Facials or Waxing: $230 (includes coverages #1-3 above)
5. Services of Masseurs (Body Massage): $400 (includes coverages #1-4 above)
6. Services of Permanent Make-Up (Requires Separate Application)

Note: All policies include a $25 Administrative Fee and a $10 Credit Card Processing Fee in addition to the premiums above. Credit Card Fee does not apply in FL.

Coverage Includes Suits Arising Out Of:

  • Injury or death of spectators
  • Injury or death of participants
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities necessary to conduct training
  • Ownership use or maintenance of fields or practice areas
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment


The general liability coverage is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.

This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.

Kulchin Ross Insurance Services, Inc.