InsureLMT provides low-cost insurance plans that can be customized to fit all budgets. Starting at just $97 for a full-year of comprehensive coverage and great member benefits, our esthetician insurance program offers industry-leading affordability so that our professionals can cost-effectively cover themselves and their business throughout their careers. We also offer all of the same benefits of our professional insurance policies to esthetician students for only $35 for a year.

InsureLMT provides specific coverage for estheticians. Just as massage therapy is different than esthetics, InsureLMT has designed a unique program to meet the particular insurance needs of the professional esthetician. Contact us to learn more about our esthetician insurance program.

A liability is something you are legally responsible to pay for. Liability insurance transfers this responsibility from the individual to their carrier. At just $97, our esthetician insurance provides incredibly robust coverage all at one, low rate. 

Over the years, we have helped members through many different types of claims. Most importantly, esthetician liability insurance provides coverage for general liability, professional liability, and product liability. These three areas present the greatest risks to professionals in the business of beauty so come with the largest limits. 

For example, a professional liability (malpractice) claim, where a client alleges that your service in some way caused their injury or damages, can cost hundreds of thousands in medical and hospital fees, legal expenses, and other costs. Our esthetician insurance program provides up to $2 million per occurrence for professional liability claims like these. Without esthetician liability insurance, you would be left paying these out of your own pocket.

As a convenience to our members, we offer two different plans for liability insurance coverage. Our Gold Plan is only $97 for a full-year of coverage and offers tremendous coverage, great benefits, and additional protections all at an industry-leading rate of less than $100 per year.

To add even more benefits like a professional website, we offer a Platinum Plan for $155 per year. We also want to help foster the next generation of estheticians, so we offer a students-only policy for $35 for a full-year of coverage.

Yes. If you are just renting a booth, you are more than likely classified as an independent contractor so would not typically be afforded much, if any, coverage under the salon owner’s insurance policy. Even if you are named under the salon’s coverage, there are many examples where a client has gone after both the salon and the individual esthetician that performed the services that allegedly gave rise to the claim. Without your own esthetician insurance policy, any shortfalls would come out-of-pocket.

Absolutely! We offer all of the same benefits of our professional policies to esthetician students for only $35 for a full year of coverage. At this rate, the cost of the policy is one of the most affordable investments a student can make in their future careers.

Besides their spelling, nothing! Esthetics and aesthetics are both “a study that deals with the nature and appreciation of art, beauty, and taste.” The only difference is that “aesthetic” is commonly used in British English, while, “esthetic” is used more common in American English.

Not with InsureLMT. Some insurers will limit the amount of modalities to a select few and then charge fees to add additional services; however InsureLMT provides coverage for many different beauty services so that our members can focus on helping their clients feel their best not whether a particular modality is covered. It is important to note, we can only provide coverage for the services that your license covers within your particular location. Always be cognisant of your state board’s esthetician requirements and limitations.