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
- Instant Certificate issued. Meets CMTO Requirements.
Individual Medi-Spa
Individual beautician offering invasive services: micro-blading, fillers, laser hair removal, micro-needling, ombre and dozens of additional services.
$40/Month
- Instant Certificate issued. Meets CMTO Requirements.
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
- Price Updates 4 Times a Day
- Advanced analytics
- Advanced Filtering
- Stock Availability Monitoring
- Price Position Comparison
- Worldwide Site/Currency
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.
Claims-Made policies are the norm and almost always associated with professional liability, boards of directors, engineers and medical/health business and professionals. Each medical or health profession has a specific name for their professional liability insurance. Doctors call it medical malpractice insurance. Most other health professionals (RMT’s, physiotherapists, etc.) call it professional liability insurance (PLI). Yet, other professionals call it errors and omissions insurance (E&O). Only professional liability policies offer these two different types of coverage, and then only specific industries use the Claims-Made” format
A Claims-Made policy is a common form of coverage for beauty professional liability policies. It covers any claims that occur and are reported while the insurance policy is in force. In other words, it will ONLY cover claims that happen during the policy term. Using the Botox example above, if an esthetician used a bad batch of Botox and the client developed complications two years later, you must have maintained a Claims-made” policy for the two years after the incident. The insurance policy must be in force when you report the claim to the insurance company. If you had any lapse of coverage or stopped paying because your retired or stopped working, you would not have any protection under a Claims-Made policy.
Unlike the Occurrence Form above, you can sometimes purchase coverage for prior acts if you are buying someone else’s business. On the downside, you MUST maintain continuous professional Liability coverage during your career and even for a few years after you retire to protect against unknown claims that show up after you retire or are no longer employed.
Claims-Made policies are generally cheaper and more readily available for specific business segments such as professional liability for the Health and Wellness industry.
Both policies have their advantages and disadvantages. Understanding which one you are buying is essential. Please see our definitions section for more information on Claims-Made and Occurrence Form of insurance policies. Let your insurance expert assist you in making the choice that gives you the Insurance Advantage!
Our Clients
Reviews
EXCELLENT Based on 27 reviews RaZ2024-05-03Trustindex verifies that the original source of the review is Google. Evan Barr2023-09-06Trustindex verifies that the original source of the review is Google. Excellent service. I had an issue and the process was quick and painless Soda P2023-08-22Trustindex verifies that the original source of the review is Google. Very easy and affordable process to get beauty liability insurance. Thank you Kyle Michielsen2023-05-15Trustindex verifies that the original source of the review is Google. Nick Lopers with Advantage insurance has been helping me for a couple of years, and he is fantastic. Nick and his team have consistently gone above and beyond for me, he always provides exceptional service and takes care of changes and additions to my policys in a very timely manner. Nick will make sure he explains all the details to you, and you know you will be getting the best rate as he is very experienced and knowledgeable. I have had other brokers in the past, however Nick certainly is the best. Keep up the great work! Adel Zubair2022-12-01Trustindex verifies that the original source of the review is Google. I spoke to Nick Lopers at Advantage Insurance brokers. He was prompt and really fast following up and getting us competitive insurance for our business. Highly recommend Nick and his company. The whole process was fast and easy, professional and friendly. Appreciate the work and great job done! Definitely recommend to other businesses. Thank you Sabrina Piano2022-09-30Trustindex verifies that the original source of the review is Google. Super efficient, friendly, affordable and quick to get what you need in terms of insurance. Highly recommend! Brad Dietrich2022-09-28Trustindex verifies that the original source of the review is Google. Quick, easy and fast! Thanks so much. Karen Vink2022-02-27Trustindex verifies that the original source of the review is Google. SKIN CARE BLVD2021-12-24Trustindex verifies that the original source of the review is Google. Chris was a pleasure to work with. He made this whole process very easy especially during a difficult time. I would definitely recommend him to others for their insurance needs. Merry Christmas and lots of success in the New Year.
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Cloud Engineer
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IT Programmer
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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.
Why Us
Giving You An Insurance ADVANTAGE!
We know there are lots of brokers giving you options for business insurance. Let us give you these Advantages:
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.
Hairstylist/Barber Professional Insurance Policies (including Mani/Pedi/Artificial Nails, Body Wrap, Ear Piercing, Eyelash Extensions, Eyebrow/Eyelash Tinting, Makeup, Waxing/Sugaring, Microdermabrasion) cost about $31.00 a month.
Absolutely. You can provide your beauty services anywhere in Canada. Our policy automatically includes Commercial General Liability to protect you for claims your home owners policy will not respond to.
We specialize in esthetics professional beauty insurance (both basic and advanced) and our insurance companies do as well. Our clients often tell us that when they call their broker that does their home or renters insurance they are quoted over $1,000 for a beauty professional insurance policy. Our beauty insurance is generally under $600. Why such a difference? When you sell thousands of policies a year, with insurance companies that understands what they are insuring, you can do it for less and insurance your business has an advantage!
Yes (unfortunately). In Ontario we must add 8% tax to each policy. Every province is different.
“A business or person that carries out work for a company”. Most estheticians that work at a Beauty Spa are subcontractors. A subcontractor will have a contract with the Spa owner to do specify services at an agreed rate (or percentage). A subcontractor will be responsible for paying their own taxes, CPP & EI. A sub-contractor also must carry their own professional and general liability insurance.
Fillers (along with Laser Hair Removal, Injectables or Microblading) can be added to your Beauty or Spa policy for an additional fee.
A claims-made policy covers claims that occur, are made against you and are reported during the policy period. The incident must take place after the effective date or the retro date.
Sarah Fazure
Designer