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
- Microneedling
- Micropigmentation & Microblading
- RF Skin Treatment
- 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 help you find top laser technician insurance coverage for your unique beauty business.
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.
Ready to get your free laser technician insurance quote?
Enter your information into our digital tool to get a no-obligation quote – you can even pay for your policy online!