Your spa is unique, So are your insurance needs.


Whether you are a technician, business owner or both in the Beauty, Wellness and Medispa industries, you need the appropriate insurance. A majority of professionals don’t know enough in order to pay close attention to their insurance coverage. To many people think it is only necessary because it is legally required in order to conduct business.

The lack of knowledge and attention to detail has led many professionals to overpay for their policies with companies that offer a “good deal” or “cheap price”. Many times these insurance policies are not structured to best suit the needs of professionals in these industries.

Allied Beauty Experts knows that our members need a custom policy tailored to their specific equipment and services.


Here are 8 questions that you should ask any insurance company before signing up:


  1. Do you have a deductible? If yes, How high is it?
  2. Is your insurance underwritten by an “A Rated” U.S. Based company?
  3. Are you covered for Professional and General Liability with your current insurance policy?
  4. Do you have Personal Property coverage for your spa equipment in case of a loss?
  5. Do you need coverage for your technicians or just for yourself?
  6. Does your current spa insurance cover all the treatments you offer?
  7. Do you provide treatments in multiple locations and are you covered in all those locations?
  8. Do you know if you have a Claims Made or Occurrence Based Coverage?

Here are our answers to these questions:


  1. Do you have a deductible? If yes, How high is it?
  2. 0 deductible for Professional and General Liability coverage. 500 Deductible for property coverage.

  3. Is your insurance underwritten by an “A Rated” U.S. Based company?
  4. Our underwriter is “A” rated and U.S. based.

  5. Are you covered for Professional and General Liability with your current insurance policy?
  6. Our coverage is both Professional and General Liability.

  7. Do you have Personal Property coverage for your spa equipment in case of a loss?
  8. In addition to Professional and General liability coverage we also offer property coverage to protect your businesses property.

  9. Do you need coverage for your technicians or just for yourself?
  10. Our policies will cover as many technicians as you need.

  11. Does your current spa insurance cover all the treatments you offer?
  12. We have a huge range of services that we cover. If it’s not on our application we will find a way to get you covered.

  13. Do you provide treatments in multiple locations and are you covered in all those locations?
  14. If you travel and provide onsite services in a professional setting we have mobile coverage to make sure that you are properly insured.

  15. Do you know if you have a Claims Made or Occurrence Based Coverage?
  16. Our coverage is Occurrence based, which means: losses that occur while you hold your policy with us will be covered regardless of when the claim is filed. Occurrence based coverage is designed to protect you against long-tail events that may come in years after the service is performed.

Existing ABE Members;

Do you know any salon and spa professionals who could benefit from the most comprehensive insurance in the industry?

1. Click the “My Insurance” Tab in the upper right-hand corner.
2. Click the “Refer A Friend” Tab, fill out and submit.
If your friend gets insurance from us, we will send you a $50 check to reward your loyalty and enthusiasm!



Allied Beauty Experts is a nationally recognized association for the beauty industry. We are Your Industry Resource!

Questions About Allied Beauty Experts Association. Give Us a Call…

800.444.7546

Or Email Us…

insurance@beautyexperts.net