Care for the skin, cover for the work.
Professional and general liability for estheticians and makeup artists, whether you rent a suite, work in a salon or travel to clients.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Burns, reactions and the client's own skin
Esthetics claims are personal. A wax burn, a chemical peel that goes too far, an allergic reaction to a product, an eye infection after lash extensions. Each one can mean a claim for medical bills and lost work.
Facials, waxing and makeup for pay in California generally need a Board of Barbering and Cosmetology license, with some exceptions. I place professional and general liability that follows you to a suite, a salon chair or a bride's hotel room.
- Professional liabilityClaims from treatments: burns, reactions, infections.
- General liabilityClients hurt in your suite or at their location.
- Product liabilityReactions to products you sell or apply.
- Tools and suppliesKits, steamers and devices, on site or in transit.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Services: facials, peels, waxing, lashes, makeup.
- Devices: microdermabrasion, LED, microcurrent or lasers.
- Where you work: suite, salon, mobile or events.
- License: California license type and number.
- Revenue: annual figures and products sold.
- History: current policies and any past claims.
Esthetician insurance, answered
Does the salon's policy cover me as a booth renter?
Usually not. Renters are their own business, and many salons require you to carry your own liability.
Are lasers or injectables covered?
Not on a standard esthetician policy. Medical treatments need a med spa policy and medical oversight.
Am I covered at a wedding venue?
A mobile policy can follow you. Venues often ask for a certificate naming them.
Are product reactions covered?
Product liability often responds to reactions from products you apply or sell, subject to the policy terms.
Do you offer esthetician insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Tell me your services. I'll shop it.
Services, where you work and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.