Electrologists Insurance
We offer affordable beauty business insurance for electrologists.
Protecting electrologists with
tailored commercial insurance
Electrologists have specialized knowledge and education in order to provide services with the utmost care. However, unexpected circumstances can arise that are beyond training and experience. Whether you freelance, own your own salon or spa or rent a room, these events can prevent you from running your business. Electrologist insurance with PROtique will cover your unique needs, keeping you and your business safe.
Who we help
Certified Professional Electrologist (CPE)
Licensed Electrologists
Spa Electrologists
Our extensive beauty industry experience
With deep industry experience, we’ve developed specialized, wide-ranging insurance solutions tailored to beauty care professionals. As your trusted insurance advisors, we go beyond simply securing coverage—our team is here to support and guide you through every step, especially when it matters most: during an insurance claim.
We have extensive expertise serving electrologists in the following roles:
Facial Hair Specialists
Focus on facial areas, often working with clients with PCOS, hirsutism, or hormonal imbalances.
Body Hair Electrologists
Specialize in treating large areas, such as the back, chest or legs.
Scalp Electrologists
Focus on hairline adjustments or preparation for hair transplants or other cosmetic procedures.
Understanding electrologist insurance
PROtique insurance for electrologists includes coverage for:
- Hair removal
- Waxing
- Sugaring
- Threading
Coverage extensions are also available for:
- Aromatherapy
- Body Wraps
- Ear Piercing
- Electrocoagulation (for skin tags, spider/thread veins, milia, ruby points)
- Electronic Muscle Stimulation (EMS)
- Eyebrow Lamination
- Eyebrow & Eyelash Tinting
- Eyelash Extensions, Perms & Lifts
- Facials
- Gel & Acrylic Nails
- Glycolic Peels – maximum 30% AHA content
- Green Peel
- Laser, IPL & LED Esthetics – excluding CO2 Lasers
- Make-Up Artistry – excluding tattooing
- Manicures
- Micro-current Skin Treatment
- Microdermabrasion
- Micropigmentation & Microblading
- Paraffin
- Pedicures – excluding cutting or removal of corns, bunions or ingrown toenails
- Relaxation Massage
- Reflexology
- RF Skin Treatment
- Skin Needling
- Spray Tanning
- Tanning Beds
- Teeth Whitening – product must be manufactured in North America
- Ultrasound Skin Treatment
- Privacy Breach
- Cyber Incidents & Online Content Liability
Electrologists providing the following services cannot be insured with a PROtique policy:
- Medical Treatments or Procedures
- Mole or Wart Treatment – electrologists with the Advanced Cosmetic Procedures Extension may work on moles and warts subject to specific conditions
The key coverages your industry needs.
We know electrologists in the beauty care industry have specific insurance needs and can customize our policies accordingly.
General Liability Insurance for Electrologists
Commercial general liability, or CGL, offers protection against accidental injury to others, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your clinic.
Professional Liability Insurance for Electrologists
Protects electrologists against lawsuits alleging your service or advice caused injury or loss to a customer. For example, this is designed to defend you if a customer has claims they suffered an infection from an electrolysis treatment.
Business Interruption
Covers lost profit and pays for necessary ongoing expenses if your business is interrupted or closed due to a property damage claim. For example, if your electrolysis clinic suffers severe water damage after a storm and you’re closed for two months to conduct repairs, the policy will reimburse you for the profit you’ve lost. It will even cover important operating expenses which continue even while you’re closed, such as your salary and loan payments.
Contents
Includes replacement cost coverage for tools, equipment and stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism & sewer backup among others.
Equipment Breakdown
This insures your electronic equipment (electrolysis equipment, your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry equipment breakdown coverage.
Proof of Loss Preparation Costs and Professional Fees
These two benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. Take this scenario, for example. Your business is closed for one month after the sewer backs up into your clinic due to a storm. You may need to hire an accountant to confirm how much profit was lost while you were closed in order to be reimbursed by the insurance company.
We work with top electrologist insurance companies to secure the best business coverage for you.
Why trust Acera Insurance and PROtique for your electrologist insurance needs?
Since 1998, we’ve protected beauty care professionals with custom small business insurance. We understand the importance of providing peace of mind, so you can focus on what you do best: serving your clients. Let us customize a PROtique policy that’s perfect for your business, ensuring you’re covered for the risks that matter most.
Five key factors that influence the cost of electrologist insurance
The amount you can expect to pay for your electrologist insurance is based on several different factors related to your coverage selections and business operations. Below, we’ve outlined the most common factors which influence your electrologist insurance premiums.
- Insurance coverages selected: Securing basic E&O coverage is different than investing in a comprehensive suite of insurance products which includes CGL, E&O, product liability, commercial property, business interruption and more. The more coverages selected, the higher the premium, but the greater the protection.
- Policy limits and deductibles: Higher coverage limits increase premiums. Lower monthly deductibles also raise the premium, as the insurer takes on more risk.
- Types of services provided: If electrologists offer services involving advanced equipment or procedures, the risk (and cost) are typically higher. Those providing services which utilize invasive techniques or are performed in higher risk areas, such as the face or bikini line, may also notice increased rates.
- Years of experience and claims history: Electrologists with more experience and a clean claims history will usually receive lower premiums. On the other hand, new practitioners or those with past claims can expect to pay more.
- Business structure and size: Solo practitioners will most commonly pay less than a clinic with multiple electrologists. Home-based businesses will note different rates than storefront or spa settings.
The amount you can expect to pay for your electrologist insurance is as unique as your own specific practice. This is because each policy is tailored to the individual needs of the business. What is required for one practitioner, may not be right for you. Working with a brokerage – that has a dedicated focus in the beauty care industry – helps ensure you are getting the best insurance for you and your professional needs.
At Acera Insurance, we have decades of experience supporting electrologists. To get started, complete your quote request online. You can even finalize the purchase at the same time if you like the price you see. All the while, our dedicated electrologist insurance specialists are here for you if you have any questions or would like to discuss your options in greater detail. Call us at 1.888.577.3210.
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