Insurance Designed for Estheticians
Any claim filed after your policy expires will still be covered, as long as the incident occurred while your insurance was still active.
Benefits of Estheticians Alliance Professional Policy
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.
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.
Estheticians Alliance offers additional special benefits to its members, including:
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:
Who is Eligible?
To qualify for Student Rates, you must meet the following requirements:
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|
|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.
What Skin Care Services Do We Cover?
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.