Laser & IPL Technician Insurance
We offer affordable beauty business insurance insurance for laser technicians.
Providing industry-leading commercial insurance for laser technicians
While working with cutting-edge technology, a laser technician requires the utmost expertise and care. These tools require in-depth knowledge and each client’s needs are different and unique – together this brings an element of risk. Whether you freelance, own your own business or rent a room in a salon or spa, Acera Insurance is one of the few providers that recognize and have specific coverage for laser and IPL technicians without increased deductibles or onerous restrictions for laser and IPL services.
Who we help
Laser Technicians
IPL Technicians
LED Technicians
Our diverse beauty industry experience.
We’ve leveraged our extensive experience to create insurance solutions that meet the unique needs of beauty care professionals. Beyond helping you find the right coverage, our dedicated brokers offer ongoing support—especially during a claim, when personalized guidance makes all the difference.
We have extensive expertise serving beauty care professionals in the following roles:
Laser Hair Removal Technicians
Laser Skin Rejuvenation Technicians
Vascular Laser Technicians
Acne and Scar Treatment Technicians
Pigmentation Laser Technicians
Aesthetic Laser Technicians
Understanding laser technician insurance
PROtique laser & IPL technicians insurance includes coverage for:
- Acne
- Broken Capillaries/Blood Vessels
- Cellulite Treatment – excluding weight loss treatment
- Hair Removal
- Photo Facials
- Pigmentation Treatment (incl. skin spots, rosacea)
- Ruby Points
- Skin Rejuvenation
- Spider Veins
Coverage extensions are also available for:
- Ear Piercing
- Electrocoagulation
- Electrolysis
- Micro-current Skin Treatment
- Microdermabrasion
- Micropigmentation & Microblading
- RF Skin Treatment
- Skin Needling
- Ultrasound Skin Treatment
- Other Esthetic Services
- Privacy Breach
- Cyber Incidents & Online Content Liability
Technicians providing the following services cannot be insured with PROtique
- CO2 Laser Services
- Tattoo Removal
- Smoking Cessation
The key coverages your industry needs.
We understand that laser technicians in the beauty care industry have unique needs and can tailor our policies accordingly.
General Liability Insurance for Laser Technicians
Commercial general liability or CGL insurance provides laser technicians with protection if a third-party is injured while on your premises or accidentally has their property damaged due to your services or operation. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your spa.
Professional Liability Insurance for Laser Technicians
E&O insurance for laser technicians offers legal protection against lawsuits alleging your advice or professional service caused injury or loss to a customer. For example, this is designed to defend you if a customer is burned by your laser & IPL.
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. You’re covered by broad, multi-peril insurance, which means your property is protected against numerous potential threats, including fire, theft, vandalism, sewer backup, and others.
Equipment Breakdown
Equipment breakdown coverage insures your laser and IPL equipment, protecting against everything from power surges and brownouts to mechanical breakdowns. It also extends to other essential systems, such as your electronic equipment and air conditioning. If a breakdown forces you to temporarily close, the policy helps cover lost income and necessary ongoing expenses—like payroll. Notably, this type of coverage is often required in commercial lease agreements.
Business Interruption
Covers lost profit and pays for necessary ongoing expenses if your beauty business is interrupted or closed due to a property damage claim. Also includes coverage for extra expenses you incur to avoid or minimize the interruption of business after a claim. If your spa experiences severe fire damage and must close for three months, this insurance can help with relocation expenses and promotional efforts to ensure your clients know exactly where to find you.
Proof of Loss Preparation Costs and Professional Fees
These benefits help pay for expenses incurred in order to establish the amount of your loss (after a claim) and to prepare the Proof of Loss form you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your spa after a storm. To be reimbursed by the insurance company, you will need to establish how much profit was lost while you were closed. To do this, you may need to hire an accountant.
We work with top laser technician insurance companies to find the best beauty business coverage for you.
Why trust Acera Insurance and PROtique for your laser technician 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.
Key factors which determine the cost of laser & IPL technician insurance
The price you can expect to pay for your laser technician insurance policy is calculated based on a series of factors related to your individual practice and selected coverage options. Here is list of the key determining factors which most influence insurance premiums for laser technicians.
- Scope of services: Lower-risk services like basic hair removal or IPL photofacials usually qualify for lower rates. Higher-risk treatments, such as skin resurfacing or vascular treatments may result in higher premiums.
- Training & certifications: Receiving more advanced education or specialized training may help when it comes to negotiating better rates.
- Professional experience: The more experienced a laser technician is, the lower their premium will be. Newer technicians with very little experience will pay more until they have had a chance to establish a claims-free record.
- Claims history: Having a clean record results in better insurance rates. Previous claims (especially negligence or injury claims) may substantially raise your premiums and could potentially make it harder to obtain coverage in the future.
- Business structure: A self-employed technician or clinic owner will need broader coverage to provide protection for a greater variety of scenarios.
- Client volume: The higher the volume of clients, the more exposure your business faces. This can result in higher premiums.
- Coverage types & limits: Opting for higher coverage limits may be required for your practice, but can also result in paying more. Additional coverage options beyond standard liability may similarly provide necessary protection, but come with extra cost.
To discover the exact amount you will pay for your insurance coverage, complete a quick quote online. Answer a few simple questions about your business and you’ll receive instant insurance quotes without even needing to get on the phone and talk to someone. Plus, if you are comfortable with your coverage selections and price, you can even continue to complete your purchase online – all in less than five minutes.
However, if you have specific insurance questions and want to chat with a laser technician insurance broker, we are here for you. That’s the beauty of Acera Insurance and our PROtique program. We offer a streamlined process of insuring beauty care professionals online, but provide the option of hands-on support if you need it. To learn more about the Acera Insurance difference, get your quote today or contact one of our friendly insurance advisors at 1.888.577.3210.
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