Independent Contractor
Single person operations
Professional and general liability for a single operator at a single location doing only the services below.
Hair Cut / Color
Makeup Artistry
Pedicures / Manicures
Spa And Salon
Our basic spa and salon coverage
Professional and general liability for spas and salons doing most non-invasive skin and hair services.
Hair Cut / Color
*Laser Hair Removal
Teeth Whitening
*Blading / Needling
*Requires additional premium
Permanent Cosmetics
Covers all permanent and semi-permanent makeup services
Professional and general liability for a single operator doing permanent cosmetics.
Beauty Marks
Microshading / Ombre Brows
Permanent Eyeliner
Permanent Full Lip
*Requires additional premium
Medical aesthetic treatment rider for spa and salon coverage.
Professional and general liability for spas offering more invasive procedures.
Includes all basic spa and salon services
BOTOX / Dysport / Fillers
Fibroblast / Plasmapen
*Laser Wrinkle / Vein / Spot Treatment
*Cryo Lipo / Coolsculpting
*PRP / Vampire Facial
*Tattoo Removal
Vitamin Injections
*Requires additional premium

$0 Deductible

$1M/$3M Limits
  • General and professional
  • “A” rated coverage
  • Business contents property
  • Fire legal protection
  • Occurrence form
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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.

Independent Contractor

Independent Contractor

This package is designed for a single person at a single location providing only the specific services listed below. Whether you are a hair stylists, makeup artist or a nail technician, this package will cover you for the following services:

  • Nails
  • Hair cutting / color
  • Facials
  • Make up artistry
  • Pedicures / manicures
  • Message / Yoga
  • LED
$289per year

Spa And Salon

Spa and Salon

This coverage is designed for beauty salons and spas with one or more employees or contractors and one or more locations. Beauty salons and spas that are offering a variety of non-invasive services can list their technicians and multiple locations as needed. Some services require additional premium noted with asterisk.

  • Nails
  • Hair cutting / color
  • Tanning
  • Teeth whitening
  • Microdermabrasion
  • Electrolysis
  • Facials
  • Cellulite reduction
  • Make up artistry
  • Chemical peels
  • Pedicure / manicure
  • Waxing
  • LED
  • Laser*
  • Blading / Needling*
  • Eyelash extensions*
  • Spray tanning
  • Ear piercing
  • Message
Starting at
$499per year

Laser Services

Spa and salon rider
$300per year
  • $600 per laser technician.
  • $1,200 upgrade for treatments on skin types 5 and 6.
  • Skin care technicians get access to CLP certification test included. $300 value.
  • Medical technicians can do laser services with no additional charge.

Permanent Cosmetics / Microblading

Permanent Cosmetics Coverage

This is general and professional coverage for a single operator providing permanent and semi permanent cosmetics. Whether its full lip tattoo, lip liner tattoo, ombre brows or eyebrow microblading.

  • Full lip tattoo
  • Lip liner tattoo
  • Beauty Marks
  • Camouflage*
  • Permanent eyeliner
  • Permanent brows / Microblading
Starting at
$1,070per year

Business Contents Property

$10,000 coverage
$110per year
  • $11 for each additional $1,000 coverage.
  • Business interruption coverage starting at $80.
  • Itemized leasehold improvements to protect your remodel.


Med Spa 1
Medi Spa I –

Slip and fall (general) and malpractice (professional) coverage for non-invasive and invasive medical grade esthetics treatments for MediSpas. Some services require additional premiums noted with asterisk.

  • Teeth whitening
  • Botox / Dysport
  • Colonic therapy
  • Laser toe fungal removal*
  • Laser brown spot removal*
  • Cavi-lipo
  • Fibroblast / plasmapen
  • RF Needling
  • FDA approved fillers
  • Vitamin injections
  • Laser skin tag removal*
  • Laser/RF/Ultrasound*
  • Medical peels
  • Laser lesion removal*
  • Laser wrinkle reduction*
  • Laser hair removal*
  • Laser spider vein removal*
Starting at
$4,010per year
Med Spa 2
Medi Spa II –

Extended malpractice coverage and general liability for non-invasive and invasive medical grade esthetics treatments for MediSpas. Includes all MediSpa I services as well as all spa and salon services. Some services require additional premiums noted with asterisk.

  • Laser Vein Treatments*
  • Botox (offsite)
  • Hyperbaric treatment
  • Tattoo removal
  • Acupuncture
  • Cool sculpture
  • Sclerotherapy Injections
  • Weight loss services
  • Ultrasound or laser lipolysis
  • Wart removal
Starting at
$4,550per year
Med Spa 3
Medi Spa III –

Complete malpractice coverage and general liability for non-invasive and invasive medical grade esthetics treatments for MediSpas. Includes all MediSpa I and II services as well as all spa and salon services.

  • PRP Platelet rich plasma (includes P. shot and O. shot)
  • PDO Threading (MD, PA and NP only)
  • Mesotherapy injections / Kybella
  • Hormone therapy prescriptions
Starting at
$5,310per year