Best Esthetician Insurance Companies of 2025

Best Esthetician Insurance Companies of 2025

The best insurance company for estheticians is Associated Skin Care Professionals (ASCP), according to Investopedia’s research. ASCP stands out for its high limits and coverage for advanced procedures. Liability insurance is vital for estheticians to protect against costly lawsuits. We evaluated nine companies on financial strength, customer satisfaction, price, and coverage to help you find the best coverage.

Our Top Picks

• Associated Skin Care Professionals
• National Association of Complementary and Alternative Medicines
• Beauty and Bodywork
• The Hartford
• Next Insurance

Best Overall: Associated Skin Care Professionals

Investopedia’s Rating: 4.8

• Monthly premiums: $23
• Customer complaints: Far fewer than expected

Associated Skin Care Professionals (ASCP) could be a good choice for estheticians seeking robust liability coverage, especially for specialized treatments. It has the highest liability coverage limit in Investopedia’s study at $6 million per year and covers advanced treatments such as laser treatments and microblading.

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Runner Up: National Association of Complementary and Alternative Medicines

Investopedia’s Rating: 4.5

• Monthly premiums: $14.90 (based on 49-cent daily rate)
• Customer complaints: Far fewer than expected

The National Association of Complementary and Alternative Medicines (NACAMS) offers estheticians a straightforward insurance coverage option with a flat-rate premium and few complaints.

Most Affordable: Beauty and Bodywork

Investopedia’s Rating: 4.5

• Monthly premiums: $9.99
• Customer complaints: As many as expected

Beauty and Bodywork is the most affordable option for esthetician insurance, offering the lowest premiums in Investopedia’s study. Despite its low premiums, it has the highest per-occurrence limit for liability coverage at $3 million.

Best for Workers’ Compensation: The Hartford

Investopedia’s Rating: 3.8

The Hartford could be a good choice for workers’ compensation insurance, particularly due to the cost savings from bundling it with a business owner’s policy.

Best for Comprehensive Coverage: Next Insurance

Investopedia’s Rating: 4.4

• Monthly premiums: $17.50
• Customer complaints: Many more than expected

Next Insurance offers a wide range of insurance options and user-friendly digital tools, making it a convenient choice for estheticians seeking a streamlined experience.

Why You Should Trust Us

Investopedia launched in 1999 and has been helping readers find the best esthetician insurance since 2022. Our unbiased, in-depth reviews are based on thorough research into each insurance company to help you make informed decisions for your business.