Affordable beauty professional insurance doesn't have to mean sacrificing protection. At ILMT, our liability insurance is designed to be both budget-friendly and comprehensive, providing coverage for the real-world risks beauty professionals face every day. For just $94 per year, you'll receive coverage that helps protect your career, reputation, and income, allowing you to focus on serving your clients with confidence.

Beauty professionals should consider carrying both professional liability insurance and general liability insurance. Professional liability insurance helps protect against covered claims involving negligence, errors, omissions, or alleged harm resulting from the services you provide, such as hair services, skincare treatments, makeup application, lash and brow services, nail care, waxing, and other beauty treatments. General liability insurance helps cover covered third-party bodily injury claims, such as a client slipping in your workspace.

For additional protection, beauty professionals may also benefit from Identity Theft Protection and Personal & Advertising Injury coverage, which help safeguard both their business operations and professional reputation.

Please visit our exclusions page here.

Your insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.

Coverage is immediate and your Proof of Insurance will be available in your email within minutes.

Occurrence-based coverage protects you for covered incidents that happen while your policy is active, even if a claim is filed long after the policy period ends. For beauty professionals, this means services performed during your coverage period can remain protected well into the future, offering lasting peace of mind.

Claims-made coverage operates differently. In most cases, both the incident and the claim must occur while the policy is active for coverage to apply. If a claim is reported after the policy has ended, there may be no coverage, even if the service was performed while you were previously insured.

Because it offers protection that extends beyond the policy term, occurrence-based coverage is often the preferred option for beauty professionals.

Yes! You can buy a policy now and choose a start date within the next three months. For instance, if you purchase on January 1 but want coverage to begin on February 17, simply choose February 17 as your start date during checkout.

Mobile beauty professionals work in a variety of environments, including clients' homes, hotels, event venues, wedding locations, and offices, where unexpected incidents can occur. Liability insurance helps protect your business from costly claims, whether it's a client slipping during an appointment, an allergic reaction to a beauty product, or an allegation that a service caused injury or damage.

Additionally, many event organizers, salons, spas, and contracting opportunities require beauty professionals to carry their own liability insurance before providing services. Maintaining coverage not only helps protect your business financially but also demonstrates professionalism and can help create additional opportunities for work.

Yes, dual practitioners are covered under a single ILMT policy as long as all the modalities you practice are included in our list of over 500 covered modalities. For example, if you provide hair services, esthetics, makeup artistry, lash services, nail care, waxing, or other eligible beauty and wellness treatments, those services can be covered under one policy, eliminating the need to purchase separate coverage for each modality.