Insurance Designed for Estheticians

1. Occurrence Form vs. Claims Made

Occurrence Form coverage covers any claim filed after your policy expires as long as the actual incident took place while your policy was active. Whereas with a Claims Made policy you would not be covered for claims that occurred during the coverage period but that were filed after your policy lapsed or expired. Estheticians Alliance offers Occurrence Form coverage.

Professional Esthetician Coverage

2. Individual vs. Shared Coverage

What’s the difference? With a Shared Aggregate policy, you share the coverage limits with everyone else who carries that program’s policy.

If the Shared Aggregate limit under the policy has been fully paid out on claims filed against other members, your claim will not be covered.

With an Individual Aggregate policy, such as Estheticians Alliance, you are covered for your entire individual policy limits regardless of claims paid for other members.

Additional Benefits

Estheticians Alliance offers additional special benefits to its members, including:

  • Exceptional personal service with live specialists who are available from 8:30 a.m. to 8:30 p.m. EST, Monday through Friday, and some weekend hours
  • Instant coverage and digital proof of insurance
  • Insurance coverage follows you wherever you go
  • If you attend industry trade shows or offer services in clients’ homes or other venues, you are still covered

If you’re currently practicing as a professional esthetician or are a current student, purchasing esthetician insurance should be a top priority for your career. Unfortunately, there is no guarantee that every client encounter will be perfect. Accidents happen, so you have to be prepared.

Estheticians Alliance has the perfect solution—a comprehensive insurance plan that provides coverage for a wide range of events and services as well as exclusive bonus benefits. You can protect your career from potential financial catastrophe.

Estheticians Alliance offers liability insurance to estheticians as well as beauty professionals practicing more than 350 modalities at no additional cost.


Estheticians Alliance Student Policy

Esthetician Student Rates

Still in school? Our student rate is available at $25 annually. We hope that this discounted rate will help you while you are training for your profession. For $25, you will receive all of the benefits of our professional program for 12 full months, including up to $2 million of professional liability insurance per occurrence.

These rates are only applicable to the discipline you are in school for on the day your coverage begins.

If you have any questions, please call us at 8005795599.

Esthetician Student Coverage

Our Esthetician Alliance student policy offers the following coverage and benefits, while you complete your esthetician training, including:

  • Professional & General Liability — $2 million
  • Individual Annual Aggregate — $3 million
  • Rental Damage Insurance — $100,000
  • Stolen Equipment Insurance — $1,000
  • Occurrence Form Coverage
  • Identity Theft Protection Plan
  • Free Professional Website


Who is Eligible?

To qualify for Student Rates, you must meet the following requirements:

  • Be enrolled as an esthetician student on your effective date of insurance coverage
  • Cannot be a professional practitioner in any of the other disciplines covered by our program

Note that our policies cover only the discipline for which you are studying on the day your coverage begins.

How Does Estheticians Alliance Insurance Compare to Other Plans on the Market?

Benefit Estheticians Alliance Associated Skincare Professionals Salon Spa Professional Trade Association / Alternative Balance NAMT/former IMA
Health & Beauty Association
Annual Fee $159; No Association Fees $259 $219/$249 $199
Immediate Coverage Yes Yes; Optional 3-Day Priority Mail Service for $15 Yes Yes
Student Fee $25 first 12 months $45 Until Graduation $169 $99.95
Occurrence-Form Coverage General, Professional and Product Liability General, Professional and Product Liability No No
Professional & General Liability Insurance (Malpractice & Trip and Fall) $2 Million/Occurrence $3 Million Individual Annual Aggregate $2 Million/Occurrence $6 Million Individual Annual Aggregate $2 Million/Occurrence $3 Million Individual Annual Aggregate $1 Million/Occurrence $3 Million Individual Annual Aggregate
Products Individual Annual Aggregate $2 Million/Occurrence $2 Million/Occurrence $2 Million/Occurrence $1 Million
Stolen Equipment Insurance $1,000 ($250 Deductible) Optional – Add $95 for $10,000 of Coverage $2,000 No
Identity Theft Protection $25,000 No $15,000 No
Professional Website Yes Yes No Yes
Coverage Follows You Anywhere in the U.S. Yes Yes Yes Yes
Rental Damage Coverage $100,000 $100,000 (Fire Legal Liability); General Liability Limits May Apply $300,000 $300,000 (Fire & Water only)

NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by Estheticians Alliance as to the accuracy or completeness of this information. This information was confirmed on 8/9/17.

  • Acne treatments
  • Body scrub
  • Chemical peel (no lasers)
  • Cold Light Series 6 Facials
  • Color consultations
  • Cosmetic massage
  • Dermaplanning
  • Eyebrow shaping
  • Eyebrow tinting

  • Eyelash Extensions
  • Facials
  • Hair removal (no lasers)
  • Herbal wraps
  • Instruction
  • Make-up (not permanent)
  • Manicures
  • Micro-current Toning
  • Micro needling

  • Microdermabrasion
  • Pedicures
  • Salt scrubs
  • Skin peels
  • Ultra sonic facial
  • Ultra sound facials
  • Vitamin C peels
  • Waxing
  • 350 other beauty & wellness modalities

Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.