Esthetician & Skincare Insurance Coverage Checklist
The coverages an esthetician & skincare business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for licensed estheticians, skincare studios, and waxing studios. Priorities reflect typical exposure for this class; confirm against the services actually performed and the state's scope of practice.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Esthetics) | Covers burns, scarring, reactions, and infections from treatments. Confirm every service on the menu is listed and not excluded. | Core | |
| Commercial General Liability | Covers premises injuries such as slips and falls, and damage to client property. | Core | |
| Products Liability | Covers reactions to products used or sold. Especially important for private-label products. | Prevalent | |
| Business Personal Property | Covers devices, furniture, and inventory against fire, theft, and water. | Prevalent | |
| Cyber / Privacy Liability | Covers client intake records, photos, and payment data. | Situational | |
| Workers' Compensation | Required in most states with employees. | Situational | |
| Employment Practices Liability (EPLI) | Relevant when room renters or contractors could be treated as employees. | Situational | |
| Business Income | Replaces income after a covered closure. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is services outside the policy — or outside the license. Esthetics professional liability usually covers only services within the esthetician's legal scope, and the most requested treatments (microneedling, dermaplaning, deeper peels, and energy devices) are exactly where states differ or prohibit them. A burn from a service the state board considers out of scope may have no coverage at all. Studios selling their own-brand skincare also take on federal duties under MoCRA, including reporting serious adverse events to FDA, and need products liability that fits.
Send us the checklist and we'll review your esthetician & skincare coverage line by line, then market it across multiple carriers that compete for your account.
Related: Esthetician & Skincare Insurance · Esthetician & Skincare Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an esthetician & skincare business need?
The core coverages for an esthetician & skincare business are Professional Liability (Esthetics), Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my esthetician & skincare coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.