Hands On Trade Association
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1.800.872.1282 Membership for Independent Cosmetologists & Estheticians Massage - Body Workers - Yoga

Liabilty Insurance for Esthetics, Makeup, Beauty & Skin Care

Independent Contractors and Booth Renters

We provide Professional (malpractice) & General Liability (slip-and-fall) insurance coverage and for Estheticians, Make up Artists, Cosmetologists and Skin Care professionals for $145.00 per year.

We provide liability insurance specifically for independent contractors, booth or chair renters. Apply online and receive an Email Confirmation that includes your certificate of insurance.

Liability Insurance Coverage:

  • Coverage that travels with you anywhere you go to work, even if you work in multiple locations.
  • $2 million coverage / $3 million annual aggregate
  • No Deductible with any type of claims.
  • We offer product liability coverage.
  • Multiple Professions covered with One Policy.

Beauty Services and Professions Covered:

We can cover whatever procedures your license allows you to perform in your state or locale.

  • Cosmetologists
  • Estheticians (Non Medical)
  • Skin care professionals
  • Spa technicians
  • Makeup artists
  • Beauticians
  • Aestheticians
  • Makeup
  • Skin care
  • Skin peels
  • Waxing
  • Micro-current toning
  • Laser Hair Removal
  • Microdermabrasion
  • *Now covering MicroBlading. You must be licensed/certified in your state.*

Main Exclusions:

Exclusions include but not limited to:

  • Permanent Makeup and Tattooing
  • Human Structural Manipulations
  • Body Piercing of any type
  • Medical Esthetician procedures
  • Ear Candling
  • T-bars​
  • Sexual Abuse
  • Acquired Immune Deficiency Syndrome
  • Transmission of Communicable Diseases


​​An esthetician provides skin treatments to the face and body in order to enhance a client’s personal appearance. They provide facials, full body treatments, neck and head massages, non medical skin care and the application of makeup. They can also provide skin peels, micro-current toning, microderm abrasion and removal of hair through waxing. They are also known as aestheticians, skin care therapists, skin care specialists, spa technicians, skin care technicians, or makeup artists.

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Esthetician Insurance, Cosmetology Insurance, Hands On Trade