Therapies Covered

The Hands-on Protection Plan provides professional liability insurance for estheticians. Our plan also provides premises liability insurance. The insurance plan is truly as mobile as your practice. You are covered if you are working in your clinic, spa, or any location.

The Hands-On Trade Protection Plan covers the unique needs and techniques of six different professional groups. Select the group applicable to you for more information and a complete list of techniques covered:

Massage Therapist Liability Insurance
Techniques that generally address the soft tissues for the purposes of palliative and stress management issues. Defined primarily by the use of the five major strokes of effleurage, petrissage, tapotement, vibration and friction. Categories include: relaxation, wellness/stress management, disaster relief, clinical or medical/rehabilitative, transformational/spiritual, indigenous.

Insurance for Bodywork Professionals
Includes all the hands-on therapies, movement reeducation systems, psychological techniques and metaphysical and energetic modalities, which recognize the unity of the body/mind/spirit/emotions.

Insurance for Estheticians
Nonmedical skin care specialist providing a wide range of skin care services and products; facials, waxing, manicures, hair removal, peels, toning and makeup.

Insurance for Cosmetologists
Sometimes called a beautician, the cosmetologist is a specialist in beauty culture. Services include hair styling, hair cutting, permanent waving, hair coloring, make up and some skin care.

Insurance for Nail Technicians
Nail Technicians apply false nails and nail extensions for customers in a spa, salon, or nail speciality shop. Nails may be decorated using a variety of techniques and application material; colored varnish, charms, glitter, gems, airbrush designs or freehand painting.

Insurance for Animal Massage Therapists
Generally massage techniques utilized on dogs, cats, horses and other pets or competition animals. Sometimes zoo animals are recipients of massage as well.