Eyelash Extension Insurance Coverage Checklist
The coverages an eyelash extension 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 eyelash extension studios and lash artists. Priorities reflect typical exposure for this class; confirm against the services performed, including lifts and tints.
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 (Lash Services) | Covers eye injuries, allergic reactions, and infections from extensions, lifts, and tints. Confirm tinting and lifts are not excluded. | Core | |
| Commercial General Liability | Covers premises injuries and damage to client property. | Core | |
| Products Liability | Covers adhesives, removers, and aftercare sold — and own-brand products in particular. | Prevalent | |
| Business Personal Property | Covers lash beds, lighting, and supplies. | Prevalent | |
| Training / Academy Liability | Needed if the applicant trains students on live models — often excluded from service policies. | Situational | |
| Workers' Compensation | Required in most states with employees. | Situational | |
| Cyber / Privacy Liability | Covers client records, photos, and booking data. | 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 coverage for lash tinting and lifts. FDA has not approved any color additive for dyeing eyelashes or eyebrows except silver nitrate in professional-use products, and hair dyes used near the eye have caused serious injuries, including blindness. Some policies exclude tinting outright, and some states prohibit it. Extensions themselves put cyanoacrylate adhesive millimeters from the eye, so professional liability that names every service — and a documented eye-emergency procedure — matter more here than in almost any other beauty class.
Send us the checklist and we'll review your eyelash extension coverage line by line, then market it across multiple carriers that compete for your account.
Related: Eyelash Extension Insurance · Eyelash Extension Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an eyelash extension business need?
The core coverages for an eyelash extension business are Professional Liability (Lash Services), 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 eyelash extension 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.