Professional Indemnity Insurance for Beauticians

Whether classic skin care, equipment-based treatments, nail design, or professional make-up—cosmeticians work with a great deal of expertise and sensitivity. But despite all their care, mistakes can happen during a treatment or consultation, which can quickly lead to high claims for damages.

from € 133,10 net p.a.

Optimal Protection with Professional Indemnity Insurance for Beauticians

• Treatment or consultation error? We clarify the question of fault for you.
• Immediate insurance coverage through online enrollment
• Reliable support in the event of damage
• Defense against unjustified claims for damages
• Personal support from our team of experts
• Worldwide insurance coverage (also ideal for mobile beauticians)
• Reliable support in the event of damage

More information

Get a quote now

Site map

• Why Beauticians need Professional Indemnity Insurance
• Ideal for Beauticians: Professional Indemnity Insurance from exali

• Different types of Cosmeticians - all covered
• Your Advantages with exali

• How much does Professional Indemnity Insurance cost for Beauticians?
• Frequently asked Questions and Answers about Professional Indemnity Insurance for Beauticians

Awarded the eKomi Gold Seal!

Awarded the eKomi Gold Seal!

 

4.8 / 5

Average determined from 1514 ratings

exali.com

Indemnity Insurance Seal for your Principals

• Individual and comprehensive insurance protection
• High coverage sums for financial losses
• No-claims evidence going back five years

Why Beauticians need Professional Indemnity Insurance

As a self-employed beautician or salon owner, you bear responsibility—for your customers, your services, and your premises. Even minor mishaps can have major consequences, e.g.:

• A customer has an allergic reaction to a product.
• Treatment with devices (e.g., microdermabrasion) causes skin irritation.
• Nail design leads to inflammation or infection.
• During a home visit, you accidentally damage the customer's property.

exali Professional Indemnity Insurance covers these risks and provides you with reliable protection.

Ideal for Beauticians: Professional Indemnity Insurance from exali

exali Professional Indemnity Insurance combines important service components that are specifically tailored to the risks faced by cosmeticians:

Personal Injury and Property Damage

If a customer is injured as a result of incorrect treatment—whether due to skin irritation, allergic reactions, or a minor accident in the studio—the insurance covers the costs. Damage to third-party property, for example during mobile use, is also covered.

Financial Losses

Sometimes, incorrect treatment or incorrect recommendations can lead to follow-up costs for your customers, such as additional doctor's visits or therapy. In such cases, the insurance also steps in and protects you from financial claims.

Passive Legal Protection Function

Not every claim is justified. That's why exali Professional Indemnity Insurance defends you against unjustified claims for damages—in court if necessary. This saves you time, money, and stress.

Flexibility

Whether you work as an independent beautician, run a nail salon, or employ an entire team, the insurance can be customized to suit your needs and grows with your business.

Tino Wiedemann

Expert and Head of Customer Service | exali AG

"Professional Indemnity Insurance for beauticians protects against typical risks

such as personal injury, financial loss, and property damage, making it an important insurance policy

that you should not do without."

Testimonials for exali.com

 

 

Being able to rely on your insurance in case of damages is truly wonderful. My experience in this area had not been all that good to this point.

But exali showed me that not all insurance companies are like that. I will definitely recommend this insurance product to others.

 

Daniel Lemmerz

ADL, exali customer since 2010

www.lemmerz-automation.de

 

 

I am really very positively surprised by the competence and reliability shown by exali. My claim was settled quickly and easily with perfect service. I really would recommend this insurance to everyone. Many Thanks!

 

Sören Zschoche, Co-founder / Managing Director

Ajaska GmbH, exali customer since 2013

modezoo.de

 

 

exali has been looking out for us for over 6 years, and we feel we are in very good hands. When a damage event occurred, it was clarified quickly and handled without complications. We would recommend exali without reservation and have already done so several times!

 

Simon Eberhardt, Managing Director

ideenhunger media GmbH, exali customer since 2012

www.ideenhunger.com

 

 

After the damage event was reported, the case was resolved and settled within a week. Thank you for the quick and uncomplicated help and the great advice! We definitely recommend exali! The personal contact is great. Kind regards from the hazel team

 

Bianca Wengenroth

hazel, graphic + design, exali customer since 2010

www.hazel-design.de

 

 

Excellent service! I insured an SaaS IT online start-up. At Exali, no expense or effort is spared when it comes to advising even small IT companies and start-ups so comprehensively that - even for critical types like myself - they really don’t let any question go unanswered. It didn't matter that I was just a prospective client and not yet a paying customer.

I had a consultation with the exali customer care expters, they spent almost an hour patiently and very competently dispelling all my concerns that a non-lawyer might have after reading through the extensive contract documents. My impression: for me as a start-up, the service you get with the Professional Indemnity Insurance for Digital Professions doesn’t compare, and I’ve rarely been looked after so well.

 

Peter D., Owner

aboverwaltung-software.de, exali customer since 2017

www.aboverwaltung-software.de

 

 

With exali, we’ve found a partner that finally makes insurance understandable, straightforward, and digital. Excellent service, fast response times, and absolute professionalism – exactly what entrepreneurs need.

 

Markus Kellermann | CEO

MAI xpose360

https://www.xpose360.de/

 

 

After a long search for insurance for my work as a virtual assistant, I came across exali. The consultation was very detailed. I was given excellent advice on my premium rate as well as honest information about what I did and did not need. It really impressed me. Whenever I have questions, I always get good advice quickly. The damage claim was processed quickly and easily. I am very satisfied and would recommend exali to everyone.

 

Tatjana Wolf, Managing Director

Virtual assistant for coaches, consultants and startups, exali customer since 2018

https://office-management-3.jimdosite.com/

 

 

Many call themselves insurance brokers, but don’t act like it! That’s exactly what I want to highlight about exali. Compared to the standard coverage offered by German insurers, there’s really no need to think twice when it comes to scope of coverage and premiums, based on my experience so far. I haven’t had a claim during this time, but I’m confident that the claims process would be just as fair and straightforward.

 

exali offers a clear and very affordable service package, an easy and self-explanatory online process, and in special cases, there’s always a competent employee who takes care of things just in time.

 

Heinrich Wiker

WIKER der Vermittler, exali customer of 15 years

https://www.wikerdervermittler.com/

 

 

„There are not many companies that you can trust without hesitation. Exali is different. Even before signing the contract and afterwards, there is complete transparency and the agreement is tailored to individual needs until you are satisfied. This is crucial, especially if you work in legally sensitive areas.

Since becoming a customer, I have been recommending Exali to my friends and acquaintances with complete conviction, not least because of the excellent advice provided by Ms. Sandra Löhning and the uncomplicated claims settlement process."

 

Martin Fiedler, owner FINANZSACHE  

finanzsache.com, exali customer since 2020

https://finanzsache.com/

Different types of Cosmeticians - all covered

There are many different types of work in the cosmetics industry. With exali Professional Indemnity Insurance, you are well covered regardless of your specialization, e.g. as:

• Classic beautician (facials, skin care, massages)
• Medical cosmeticians (e.g., anti-aging treatments, cosmetic procedures using devices)
• Nail designer / Nail salon
• Makeup artist
• Mobile cosmetics (home and event visits)

Frequently asked Questions and Answers about Professional Indemnity Insurance for Beauticians

As a Beautician, do I need Professional Indemnity Insurance?

Professional Indemnity Insurance is not mandatory for beauticians, but even the smallest mistakes or unpredictable skin reactions can result in high claims. Insurance provides you with reliable protection.

Am I also covered as a mobile Beautician?

Yes, home and event visits are also covered.

Can I insure Employees in my Studio?

Yes, if you run a studio with employees, they are also covered by Professional Indemnity Insurance for beauticians.

How much does Professional Indemnity Insurance cost for Beauticians?

The premium depends on factors such as turnover, activities, and selected additional modules. You can use our online calculator to determine your individual premium immediately—transparently and with no hidden costs.

How soon can I start?

You can complete the process online in just a few minutes—your coverage begins immediately.

How do I report a claim to my Professional Indemnity Insurance?

Even if it's difficult, if you have suffered damage, you should first of all remain calm. Contact our experts at exali customer service. You can reach us by phone at +49 (0) 821 80 99 46-0 or by email at info@exali.com. Together, we will discuss the next steps with you, prepare all the information, and forward it to the insurer.

What kind of damage does Professional Indemnity Insurance cover?

At exali, we always recommend a combination of financial loss liability insurance and office and business liability insurance as basic coverage. Financial loss coverage plays a fundamental role, accounting for 88% of all claims. The reason for this is that although personal injury and property damage occur less frequently, they often involve high compensation payments.

Your Advantages with exali

• Complete online in 5 minutes—quick and easy
• Covered worldwide—even for mobile applications or international customers
• Personal contact - Support right from the start
• All-Risk Coverage - Insurance that grows with your business

 

Need help?

+49 (0) 821 / 80 99 46 - 0

 

We will call you back

Callback service

 

info@exali.com

Contact form