The best esthetician insurance policies will provide essential coverage for the liabilities that can present themselves in the normal course of business to esthetician professionals. General liability, also referred to as slip and fall insurance, covers members from a loss event occurring simply from having a customer enter your premises. As the moniker implies, a simple puddle of water on the floor which causes a client to slip and fall can give rise to a claim. In this case, the member would be covered up to $2 Million per occurrence and $3 Million aggregately per year. Professional Liability claims are also called malpractice claims because they occur while you’re performing your discipline’s service. An example would be if you applied wax that was too hot and a patient were burned as a result. In this case, your professional liability limits would cover the claim up to the same limits as your general liability coverage. EBS also provides product liability coverage, up to $2 Million per occurrence and per year if an equipment malfunction were to cause an injury.
In addition, we’ve included important ancillary coverages like rental damage and stolen equipment. Rental damages cover the expense if there were any damage to a facility that was rented up to $100,000. It’s never fun when equipment goes missing, so we’ve also included $1,000 worth of stolen equipment coverage in our insurance policies.
But we don’t stop there, in addition to the comprehensive coverages listed, members also receive identity theft protection, a free professional website, and access to members-only discounts on top esthetician gear and accessories. It’s always good to be informed and we invite you to compare us to the competition. Once you discover how EBS compares you’ll know why we are voted number one for esthetician insurance.