Whether you cut hair or inject Botox, you need the appropriate occurrence based liability insurance policy. As a member of our association you will have access to the most complete and comprehensive liability insurance available.


We have industry-tailored policies that cover hair and nails, skin care, laser hair removal, permanent cosmetics and more. Medispas are insured covering treatments such as tattoo removal, vein treatment, Botox and fillers, sclerotherapy, mesotherapy, chemical peels, wart removal, PRP, and much more.

$0 Deductible

$1M/$3M Limits
  • General and professional
  • “A” rated coverage
  • Business contents property
  • Fire legal protection
  • Occurrence form
  • Insurance Membership required
The Occurrence Form Advantage

Typically an agency will provide a “claims made” form, and these often contain broad and vague coverage. A certificate is then issued that may not even cover specific treatments you are performing. When this happens, claims are denied and you may find yourself fighting your own insurance company. You can avoid all of this by obtaining insurance with us.

“Claims made” requires that you have a current active policy when the claim was made as well as when the treatment was performed. If coverage stops for a particular treatment for any reason, it’s as if you never had coverage. Because the insurance companies risk increases the longer you have active coverage, your premium tends to increase each year.

The difference between our services and that of other insurance companies is that we will provide you with an “occurrence” form. On your certificate of insurance, we specify all of your services to protect you from risk by error of omission. You even have the peace of mind in knowing that the occurrence form we give you is valid for life.

Throughout the United States, spas, salons and medical spa businesses have been obtaining their malpractice insurance coverage through Allied Beauty Experts. We have a 25-year reputation for providing the policies these businesses need to thrive. At Allied Beauty Experts we invite you to join us for one year of membership when you obtain our services. In addition, we also provide coverage for violation of HIPAA laws, prior acts, business contents property and more.

You have a need to obtain spa insurance if you own any type of beauty and wellness business or you work as an esthetician. By joining our beauty association you can get access to “A” rated liability insurance. This comprehensive insurance includes coverage for:

  • Estheticians and cosmetologists
  • Medispas
  • Salons and spas
  • Laser hair removal spas
  • Tanning salons
  • Permanent makeup technicians
  • Microblading specialists

Our biggest priority is providing you with the best possible liability insurance coverage. Most agencies draw on multiple sources to create an insurance policy that is hopefully adequate to cover all your treatments. We designed our policy to cover specifically what you do, and list them on your certificate so there is never any doubt. This doesn’t allow for the underwriter to deny claims because the treatment isn’t covered by the blanket hair salon policy you were sold for your microblading business.

Your Allied Beauty Experts insurance can provide you with business interruption coverage as well as coverage for your property. Our services can also protect your business in the event an employee is accused of sexual misconduct.

When you obtain a malpractice insurance plan with us you are covered for any possible incident, general or professional, up to a maximum of $1 million. With a $3 million aggregate for the year, we’ve got you covered.

With the types of coverage we offer, you can find just what you need to protect your business. We have independent contractor, skin care, permanent cosmetics and medispa packages. Each one provides you with protection that will help your business run smoothly.

If you have ever struggled to work with an insurance underwriter, Allied Beauty Experts is for you. We take the struggle out of obtaining the coverage you need to protect your business. For example, maybe you had a client who had their lash lift or microblading fail to impress or caused them to visit their doctor, we will help you to navigate the claims process.

The services we offer ensure that you can run your health and beauty business successfully for many years to come.

Business Personal Property Coverage
Minimum of 10k
$11 per $1000
Contents Coverage
Example: Computer systems, retail product, lasers, chandeliers
Business Interruption coverage starting at $80
Itemized leasehold imroveents to protect your remodel