Canada's Beauty Insurance Specialists

Health & Wellness Insurance

Insurance starting at $21/month*. 

Our Advantage

Why Choose Advantage For Your Health & Wellness Business Insurance

Coverage

Our beauty insurance policy for your professional industry has broad coverages. We have raised the bar. Our insurance product is a boutique product made for beauty therapists.

Expertise

Our team of brokers has extensive knowledge in the industry, including over 100,000 policy years in providing coverage to small businesses. We stand at the forefront of offering insurance to beauty professionals for the last ten years.

Service

Our brokerage is 100% client-driven. We are available 24/7. Beauty professionals trust us to be there when disasters strike. Our products offer a multitude of channels and options to work with us.

Price

We understand that as a business owner, you are price sensitive. We always give you our best price every time. Insurance provides protection from an unnecessary risk to all estheticians, therapists, hair stylists, barbers, etc.

Starting Premiums

Beauty Insurance Pricing

Individual Beautician

Individual esthetician doing non-invasive procedures: mani-pedi, facials, waxing, hairstylist/barber, facials, teeth whitening, chemical peels, eyelash extensions, eyebrow tinting, makeup, sugaring, microdermabrasion and hundreds of other procedures.

$22/Month

Individual Medi-Spa

Individual beautician offering invasive services: micro-blading, fillers, laser hair removal, micro-needling, ombre and dozens of additional services.

$40/Month

Salon or Medi-Spa Business

Business with a physical location or employees. Comprehensive coverage protecting your content, building improvements, loss of income, crime, liability and more.

$79/Month

Difference Between Claims Made & Occurrence

Below is the difference between the two main types of Health and Wellness insurance policies; Claims-Made and Occurrence Form.  We want to ensure you have the proper Insurance Advantage. Years of insurance knowledge gives us the expertise in the beauty insurance industry. By ensuring you have the best coverage, we give you the protection advantage. Using our industry knowledge, we then shop to get you the best premiums. We want to pass that information on to our clients. You should make sure you understand how your insurance policy works and what it covers. 

Difference Between Claims Made & Occurrence

Of all the different types of insurance in the world, Claims-Made and Occurrence Form policies are probably the most difficult to understand and explain. For most brokers in Canada, 99% of what they deal with on a day to day basis is “occurrence form” for general liability insurance coverage. Our insurance expertise is in professional liability, errors and omissions or directors’ and officers’ policies. We are experts in understanding and explaining both types of coverage. As a consumer, you need to make sure you understand the difference. If you need assistance, your insurance broker is always available to help.  

The most common form of insurance is an Occurrence Form. This type of insurance would cover your home, car, builders, plumbers and almost every other business in Canada. An Occurrence Form policy will cover you for an incident that occurs during the policy period while the insurance policy is in force. It will be covered by that policy, regardless of how many years later you report the claim. In other words, if you injure someone during your profession and you had an insurance policy in force at the time of treatment, any future claim against you will be covered. For example, if you inadvertently used a bad batch of Botox and the client developed complications and submitted a claim two years later, you would be covered. Even an insurance claim filed ten years later would be covered. The insurance policy would not cover incidents if they occurred before the Occurrence Form policy was issued. 

Our Clients

Reviews

Sarah Fazure
    Sarah Fazure

    Designer

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    Diggie Razure
      Diggie Razure

      Cloud Engineer

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      Benjamin Elliot
        Benjamin Elliot

        IT Programmer

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        Odette Dumble
          Odette Dumble

          Marketing Manager

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          Get Started In Less Than 5 Minutes

          How It Works

          1. Pick Your Coverage

          Browse our wide range of insurance options tailored to fit your specific needs. Whether you’re a small business owner or need personal coverage, we’ve got you covered.

          2. Get Started

          Fill out our simple online form to receive a customized quote. Our team will provide you with a competitive rate that suits your budget and coverage requirements.

          3. Get Coverage

          Once you approve the quote, our team will finalize your policy quickly and efficiently. Enjoy peace of mind knowing you’re protected with comprehensive coverage.

          “I’m so grateful to be able to help you with your Beauty Insurance needs. I’m passionate about my clients. My wife and I have experienced many beauty procedures and as a family we value positive self-care. I’m always staying on top of the latest trends and fads in the industry to ensure I’m knowlegable to give your business the Insurance Advantage you need”

          Chris Stark, Senior Insurance Executive

          Make Sure You & Your Business Is Protected

          Beauty Business Coverage

          We offer a multitude of coverages & limits, however, our beauty insurance policies are always driven by professional and general liability.

          Professional Liability

          Professional liability is a vital component of your insurance risk management product. A beautician or therapist must have some form of education or license. A hot towel facial could make a client pass out and fall as an example. These high standards expose you to claims stemming from the beauty services you provide.

          Commercial General Liability

          Slips and falls can happen in any business. Unfortunately, the beauty industry is more prone to minor accidents. Imagine a client slipping after finishing a pedicure with wet feet. Things happen. These accidents could result in lawsuits. That is why commercial general liability insurance is imperative. Protect yourself and your business with an insurance advantage.

          Content Coverage

          Beauty technicians use a variety of equipment. Some machines that cost tens of thousands of dollars. Supplies and all specialized equipment are all susceptible. Plus, don’t forget about your retail inventory. Spa or Medi-spa businesses need additional coverage to protect their contents and equipment. Content coverage can be attached to your insurance policy. It will protect from theft, fire, water, etc. Insurance coverage with broad, comprehensive protection.

          Types Of Insurance

          RMT Insurance

          Get comprehensive coverage tailored for Registered Massage Therapists. Protect your practice with plans that cover liability, property, and professional risks.

          Daycare Insurance

          Ensure the safety and security of your daycare with our comprehensive insurance options. We cover liability, accidents, and property damage, so you can focus on providing excellent care.

          Home & Tenant Insurance

          Protect your home or rental property with our reliable insurance policies. We provide coverage for damages, theft, and liability to give you peace of mind.

          Yoga Insurance

          Safeguard your yoga studio with our specialized insurance packages. We offer coverage for liability, property damage, and injuries, ensuring a worry-free environment for you and your clients.

          Health & Wellness Insurance

          Our health and wellness insurance is designed for professionals in the industry. Cover your practice with our plans that include liability, property, and professional risk protection.

          Hearing Practitioner Insurance

          Our brokerage has years of experience in protecting regulated health professionals. We are excited to bring our expertise to the field of hearing. Our team knows what coverage is required.

          Car Detailing Insurance

          Our car detailing insurance provides protection for your business against liability and property damage. Keep your operations smooth and secure with our customized plans.

          Car Insurance

          Drive with confidence knowing you’re protected with our car insurance plans. We offer coverage for accidents, theft, and damages to keep you and your vehicle safe on the road.

          Common Questions

          Frequently Asked Questions

          Microblading Insurance is only $56.00 a month. This includes $2,000,000 professional liability and $2,000,000 commercial general liability coverages.

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