Beauty Therapists’ & Estheticians’ Insurance for Ontario Beauty Professionals
Protect your beauty business with custom-tailored insurance from Oegema, Nicholson & Associates.
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Running a beauty business in Ontario, whether you’re a salon owner, freelance esthetician, or mobile beauty professional, means working closely with clients on a daily basis.
That comes with risk.
From client injuries to property damage and stolen tools, unexpected events can disrupt your business and lead to financial strain. That’s where Oegema, Nicholson & Associates (ONA) comes in.
We provide beauticians’ insurance solutions designed for professionals in the beauty industry, offering flexible coverage to suit solo practitioners, teams, or full-service salons.
With access to Canada’s leading insurers, ONA helps beauty professionals stay protected and confident.
Who Needs Beauty Therapists’ & Estheticians’ Insurance?
- Independent and mobile professionals
- Hair stylists and barbers
- Makeup artists
- Nail technicians and manicurists
- Waxing and threading specialists
- Lash and brow technicians
- Spa and salon owners
Why Beauty Therapists’ & Estheticians' Insurance Matters
Beauty services are personal, hands-on, and customer-facing. That creates exposure to unique risks, including:
- Slip and fall accidents in your salon or studio
- Adverse reactions to products or treatments
- Damage to client property during service
- Theft or loss of professional tools and equipment
- Legal claims tied to professional advice or treatment results
ONA helps you prepare for these risks with insurance coverage that’s tailored to your industry. Whether you’re running a storefront or travelling to client homes, our team will make sure you have the protection you need to continue doing what you love.
What Does Beauty Therapists’ & Estheticians'
Insurance Cover?
Your beauty insurance policy should reflect the services you provide, how and where you operate, and the value of your business assets.
ONA offers customizable insurance for beauty salons that can include the following core protections:
General Liability Insurance
Covers injuries or property damage that occur at your place of business or while working off-site. This is essential coverage for client-facing services.
Professional Liability (Errors & Omissions)
Protects you in case a client alleges harm caused by your professional advice or services, such as a reaction to a product or dissatisfaction with treatment results.
Commercial Property Insurance
Covers your salon, studio, or mobile workspace against fire, vandalism, or water damage. It can include protection for fixtures, furnishings, and retail inventory.
Equipment and Tool Coverage
Protects your beauty equipment, electronics, chairs, styling stations, and mobile kits against theft, loss, or accidental damage—whether you're working in a salon or on the go.
Business Interruption Coverage
This helps recover lost income if you need to pause operations due to a covered event, such as a fire or major repair.
Cyber Liability
Recommended for beauty businesses that store client data or accept online bookings and payments. It covers data breaches, ransomware, and digital fraud.
Custom Coverage for Salons, Studios, and Mobile Beauty Services
Not every beauty business looks the same. Some professionals rent chairs in shared studios. Others travel to weddings, film sets, or client homes.
ONA builds flexible Beauty Therapist & Esthetician insurance policies for a wide range of business models:
- Brick-and-mortar salons and spas
- Home-based esthetics studios
- Mobile makeup artists and lash techs
- Freelancers operating in rented spaces
- Booth renters in shared studios
- Multi-location beauty businesses
Your broker will take the time to understand how you operate and build a policy around your workflow, income, and tools of the trade.
Why Choose ONA for Your Beauty Therapist & Esthetician Insurance?
Industry-Specific Expertise
ONA understands the unique needs of the beauty industry. We provide commercial insurance for both individual professionals and businesses with employees, offering a range of policy options that make sense for beauty services.
Brokerage Advantage
We're not tied to one insurer. ONA works with Canada's top commercial insurance providers to give you choice, value, and the flexibility to update your coverage as your small business grows.
Ontario-Based Support
ONA has served Ontario businesses since 1945. Our brokers live and work in the same communities as you, which means we understand local regulations, client expectations, and the unique pace of your industry.
Fast Quotes and Personal Service
We make it easy to get covered without complicated forms or delays. Whether you're insuring your first toolkit or your fifth location, our brokers deliver hands-on service and quick answers when you need them.
Frequently Asked Questions
Yes. Most home insurance policies don’t cover business activities. If you run a beauty business from your home, a commercial policy ensures your workspace, equipment, and services are fully protected.
Get a Beauty Therapists’ & Estheticians’ Insurance Quote Today
Beauty professionals are dedicated to helping others look and feel their best. At ONA, we’re dedicated to helping you protect what you’ve built. Whether you’re starting your first mobile beauty brand or managing a growing salon team, we’ll help you secure coverage that fits your needs, budget, and future plans.
Let’s get you covered.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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