Why Estheticians Need Liability Insurance
Even the most skilled estheticians can face unexpected situations. A single allegation—whether valid or not—can be costly and stressful to defend.
Liability insurance helps protect your finances and your career if a client claims injury, property damage, or harm related to your professional services. The industry-leading protection through ASCP membership allows you to work confidently and focus on your clients—not legal risk.
What's Included with Liability Insurance Through ASCP Membership
For $259 per year or $23 per month, ASCP membership includes:
- $6 million individual aggregate per policy year (not shared)
- $2 million per occurrence
- Professional liability coverage (malpractice or service-related injury claims)
- General/premises liability coverage (slip-and-fall and similar accidents)
- Product liability coverage (reactions to products used or sold)
- Coverage in all work settings with no location limits
- Legal defense costs covered outside policy limits
Coverage is issued per member and is not reduced by claims made by other ASCP members.
How Insurance Through ASCP is Different
Not all esthetic insurance policies are the same. Coverage limits, policy structure, and added fees can vary widely. ASCP membership is designed to provide strong individual protection and long-term security.
The protection through ASCP membership offers:
- Highest individual limits in the industry
Up to $6 million in coverage reserved exclusively for you. - Occurrence-form coverage
Covers incidents that occur during your policy period—even if a claim is filed later. - No shared limits
Your coverage is never impacted by other members’ claims. - No fee for additional insured endorsements (AIEs)
Add landlords, suite owners, or employers at no extra cost. - Nationwide coverage
Valid in all 50 states and follows you wherever you practice. - Transparent pricing
Comparable insurance-only policies may cost $600–$900 or more annually.
Why ASCP Is the Best Choice for Estheticians
Liability insurance through ASCP membership is designed specifically for estheticians and backed by a professional association dedicated to supporting your career.
Bottom line: ASCP protects your livelihood with reliable coverage and trusted support—at a fair, transparent price.
Frequently Asked Questions
- Is liability insurance required to work as an esthetician?
Licensing and insurance requirements vary by state and employer. Many spas, salons, and landlords require proof of liability insurance before allowing estheticians to practice. - How quickly can I receive proof of insurance?
Once training is verified, processing is typically immediate. Coverage generally begins the day after your completed application is processed. Need proof sooner? Call us at 800-789-0411. - When does coverage go into effect?
Coverage begins the day after ASCP receives and processes your completed application and your membership remains active for 12 months. - What does ASCP liability insurance cover?
ASCP’s occurrence-form policy includes professional liability, general/premises liability, product liability, and legal defense costs covered outside policy limits. - Do you cover advanced esthetic services?
ASCP offers Advanced Esthetics Insurance for modalities such as:- Microblading
- Permanent makeup
- Laser and IPL
- Cryolipolysis (CoolSculpting)
- Radio frequency and high frequency
Additional eligibility requirements and policy terms apply.
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Do you offer a monthly payment option?
Yes. Choose either:- $259 annually
- $23 per month
- What else should I insure?
ASCP offers optional Business Personal Property (BPP) Insurance:- $10,000 of coverage costs $99/year
- $30,000 of coverage costs $299/year
- BPP coverage may protect equipment, tools, and inventory against covered causes of loss such as theft or fire, subject to policy terms.
Start enjoying the benefits of ASCP membership today!
Get liability insurance designed specifically for estheticians—plus continuing education, business tools, and exclusive member benefits.
800-789-0411
getconnected@ascpskincare.com
Important Coverage Notice
Insurance descriptions are illustrative only. Refer to the policy for full terms, conditions, limitations, and exclusions. If any discrepancy exists between this page and the policy, the policy language controls.