Built for Beauty & Wellness Pros
Built for Beauty & Wellness Pros
Built for Beauty & Wellness Pros
Liability Coverage Built for Beauty & Wellness Pros
Protect your work, wherever and however you practice, with coverage that’s designed for self-employed professionals. Plus, access tools and benefits that help your business grow.
COVERAGES
COVERAGES
What's Included in Your Natural Assurance Coverage?
Your membership includes more than just protection. You get professional-grade liability coverage along with instant proof, exclusive member perks, and access to resources designed to support your career.
COVERAGES
What's Included in Your Natural Assurance Coverage?
Your membership includes more than just protection. You get professional-grade liability coverage along with instant proof, exclusive member perks, and access to resources designed to support your career.
Professional & General Liability
What it Covers:
Coverage for injuries or damage caused while working with clients in-person or onsite. Whether you’re offering massage, fitness instruction, or skincare services, your membership keeps you protected.
Example:
A massage therapist accidentally causes a client muscle strain during a deep tissue session, and the client seeks medical treatment. General liability covers the legal and medical costs related to the claim.
Coverage Limits:
$1 million per occurrence, $2 million aggregate (expand as necessary).
Professional & General Liability
What it Covers:
Coverage for injuries or damage caused while working with clients in-person or onsite. Whether you’re offering massage, fitness instruction, or skincare services, your membership keeps you protected.
Example:
A massage therapist accidentally causes a client muscle strain during a deep tissue session, and the client seeks medical treatment. General liability covers the legal and medical costs related to the claim.
Coverage Limits:
$1 million per occurrence, $2 million aggregate (expand as necessary).
Professional & General Liability
What it Covers:
Coverage for injuries or damage caused while working with clients in-person or onsite. Whether you’re offering massage, fitness instruction, or skincare services, your membership keeps you protected.
Example:
A massage therapist accidentally causes a client muscle strain during a deep tissue session, and the client seeks medical treatment. General liability covers the legal and medical costs related to the claim.
Coverage Limits:
$1 million per occurrence, $2 million aggregate (expand as necessary).
Product Liability
What it Covers:
Protection against claims related to products you use or sell during your services. If a client has a reaction or injury tied to a product, you’re covered.
Example:
An esthetician uses a skincare product that causes an allergic reaction, resulting in the client needing medical care.
Coverage Limits:
$1 million for product-related claims (or adjust depending on the policy details).
Product Liability
What it Covers:
Protection against claims related to products you use or sell during your services. If a client has a reaction or injury tied to a product, you’re covered.
Example:
An esthetician uses a skincare product that causes an allergic reaction, resulting in the client needing medical care.
Coverage Limits:
$1 million for product-related claims (or adjust depending on the policy details).
Product Liability
What it Covers:
Protection against claims related to products you use or sell during your services. If a client has a reaction or injury tied to a product, you’re covered.
Example:
An esthetician uses a skincare product that causes an allergic reaction, resulting in the client needing medical care.
Coverage Limits:
$1 million for product-related claims (or adjust depending on the policy details).
Mobile Coverage
What it Covers:
Your coverage travels with you. Whether you’re in a studio, at a client’s home, or working an event, you’re protected under one plan—no need for multiple policies.
Example:
A personal trainer holds an outdoor boot camp, and a participant trips over equipment. The mobile coverage ensures this off-site incident is fully covered.
Coverage Limits:
Matches the liability limits of general and professional insurance.
Mobile Coverage
What it Covers:
Your coverage travels with you. Whether you’re in a studio, at a client’s home, or working an event, you’re protected under one plan—no need for multiple policies.
Example:
A personal trainer holds an outdoor boot camp, and a participant trips over equipment. The mobile coverage ensures this off-site incident is fully covered.
Coverage Limits:
Matches the liability limits of general and professional insurance.
Mobile Coverage
What it Covers:
Your coverage travels with you. Whether you’re in a studio, at a client’s home, or working an event, you’re protected under one plan—no need for multiple policies.
Example:
A personal trainer holds an outdoor boot camp, and a participant trips over equipment. The mobile coverage ensures this off-site incident is fully covered.
Coverage Limits:
Matches the liability limits of general and professional insurance.
Services and Specialties
We Protect
From hair stylists to massage therapists, our insurance covers a wide range of wellness and beauty professionals.
Natural Assurance was built for a new kind of professional—independent, mobile, and self-made. We exist to make sure you don’t have to choose between credibility and flexibility.
We’ve designed a membership that includes professional liability insurance and gives you access to exclusive perks, business-building tools, and health benefits. No sales calls. No red tape. Just everything you need, all in one place. We’re here to protect what you’ve built and support where you’re headed.
Acupuncturists
Acupuncturists
Acupuncturists
Animal Massage Therapists
Animal Massage Therapists
Animal Massage Therapists
Aromatherapists
Aromatherapists
Aromatherapists
Ayurvedic Practitioners
Ayurvedic Practitioners
Ayurvedic Practitioners
Barbers
Barbers
Barbers
Cosmetologists
Cosmetologists
Cosmetologists
Massage Therapists
Massage Therapists
Massage Therapists
Nail Technicians
Nail Technicians
Nail Technicians
Naturopathic Consultants
Naturopathic Consultants
Naturopathic Consultants
Nutritional Consultants
Nutritional Consultants
Nutritional Consultants
Permanent Cosmetics Artists
Permanent Cosmetics Artists
Permanent Cosmetics Artists
Personal Trainers
Personal Trainers
Personal Trainers
Pet Groomers
Pet Groomers
Pet Groomers
Professional Body Piercers
Professional Body Piercers
Professional Body Piercers
Sports Coaches
Sports Coaches
Sports Coaches
Spray Tan Technicians
Spray Tan Technicians
Spray Tan Technicians
Tattoo Artists
Tattoo Artists
Tattoo Artists
Water Aerobics Instructors
Water Aerobics Instructors
Water Aerobics Instructors
Wellness Coaches
Wellness Coaches
Wellness Coaches
Yoga Instructors
Yoga Instructors
Yoga Instructors
EXCLUSIONS
EXCLUSIONS
What's Not Covered by Our Policy
While our insurance covers a wide range of services, there are some high-risk treatments and activities that are excluded from our policies. Below is a list of common exclusions. Please refer to your policy for a complete list of exclusions.
EXCLUSIONS
What's Not Covered by Our Policy
While our insurance covers a wide range of services, there are some high-risk treatments and activities that are excluded from our policies. Below is a list of common exclusions. Please refer to your policy for a complete list of exclusions.
Exclusions Related to High-Risk Services:
Our policy does not cover certain treatments and procedures that carry higher risks for injury or legal claims. These treatments are excluded due to the potential for severe injury or complications. For businesses offering these services, we recommend seeking specialized insurance.
List of Excluded Service:
Microblading or permanent makeup
Chemical peels (strong acids)
Botox and dermal fillers
Brazilian waxing
Laser hair removal
Microneedling
Tattoo removal
Exclusions Related to High-Risk Services:
Our policy does not cover certain treatments and procedures that carry higher risks for injury or legal claims. These treatments are excluded due to the potential for severe injury or complications. For businesses offering these services, we recommend seeking specialized insurance.
List of Excluded Service:
Microblading or permanent makeup
Chemical peels (strong acids)
Botox and dermal fillers
Brazilian waxing
Laser hair removal
Microneedling
Tattoo removal
Exclusions Related to High-Risk Services:
Our policy does not cover certain treatments and procedures that carry higher risks for injury or legal claims. These treatments are excluded due to the potential for severe injury or complications. For businesses offering these services, we recommend seeking specialized insurance.
List of Excluded Service:
Microblading or permanent makeup
Chemical peels (strong acids)
Botox and dermal fillers
Brazilian waxing
Laser hair removal
Microneedling
Tattoo removal
Exclusions for Employees
If you have employees, they are not covered under this policy.
For Contractors: Independent contractors can purchase their own policy and add you as an additional insured if needed.
Exclusions for Employees
If you have employees, they are not covered under this policy.
For Contractors: Independent contractors can purchase their own policy and add you as an additional insured if needed.
Exclusions for Employees
If you have employees, they are not covered under this policy.
For Contractors: Independent contractors can purchase their own policy and add you as an additional insured if needed.
Exclusions Related to High-Risk Services
Our policy also excludes certain situations and conditions beyond service-specific exclusions.
List of Excluded Service:
Claims related to intentional harm or illegal activities
Property damage to your own business premises or equipment
Bodily injury caused by business owners or staff outside the scope of professional services
Auto-related accidents (vehicle insurance needed)
Exclusions Related to High-Risk Services
Our policy also excludes certain situations and conditions beyond service-specific exclusions.
List of Excluded Service:
Claims related to intentional harm or illegal activities
Property damage to your own business premises or equipment
Bodily injury caused by business owners or staff outside the scope of professional services
Auto-related accidents (vehicle insurance needed)
Exclusions Related to High-Risk Services
Our policy also excludes certain situations and conditions beyond service-specific exclusions.
List of Excluded Service:
Claims related to intentional harm or illegal activities
Property damage to your own business premises or equipment
Bodily injury caused by business owners or staff outside the scope of professional services
Auto-related accidents (vehicle insurance needed)
Exclusions for Specific Locations or Events
Your coverage is typically valid at approved workspaces and for professional services. However, certain high-risk events or locations are not covered.
For Example: Large-scale events (e.g., music festivals) or unlicensed locations may not be covered.
Exclusions for Specific Locations or Events
Your coverage is typically valid at approved workspaces and for professional services. However, certain high-risk events or locations are not covered.
For Example: Large-scale events (e.g., music festivals) or unlicensed locations may not be covered.
Exclusions for Specific Locations or Events
Your coverage is typically valid at approved workspaces and for professional services. However, certain high-risk events or locations are not covered.
For Example: Large-scale events (e.g., music festivals) or unlicensed locations may not be covered.
PRICING
PRICING
Simple Pricing For All
Flexible plans that fit your budget & scale with needs.
PRICING
Simple Pricing For All
Flexible plans that fit your budget & scale with needs.
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Basic Plan - Starting at:
$17.50
/month
Solid coverage for foundational protection.
$1M Coverage Per Occurrence
$2M Aggregate Coverage
$1M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
Premium Plan - Starting at:
Popular
+$1.58
/month
Combined with the Basic Plan, you can enhance coverage for less than 2/month and gain greater peace of mind and protection.
$2M Coverage Per Occurrence
$3M Aggregate Coverage
$2M Product & Service Coverage
$1M Personal & Advertising Injury Coverage
$300K Fire Damage Rented Coverage
$5K Medical Coverage
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
What does professional liability insurance cover?
Professional liability insurance protects you from claims related to mistakes or negligence during your services, such as a client injury caused during a treatment.
What does general liability insurance cover?
General liability insurance covers claims for bodily injury or property damage that occur during your services, like a client slipping in your studio.
What are the policy limits for my coverage?
Our policy starts at $1,000,000 per occurrence with a $2,000,000 aggregate limit, with the ability to increase.
What services are excluded?
Certain high-risk services like Brazilian waxing, Botox, and chemical peels are excluded. For a complete list, check our policy details page.
Does this insurance cover my employees?
No, this policy does not cover employees. However, independent contractors can purchase their own policy and add you as an additional insured.
Do I need separate policies for different services?
No, our insurance covers all the services you offer under one policy, whether you’re a massage therapist, yoga instructor, or esthetician.
What does product liability insurance cover?
Product liability insurance protects you if a product you use in your services causes harm to a client, such as an allergic reaction to skincare products.
How long does my policy last?
The policy lasts for one year from the date of purchase, with the option to renew annually.
Do you cover mobile businesses?
Yes! Our coverage moves with you, whether you’re working in a studio, at a client’s home, or on the go.
Why is insurance important for my business?
Insurance safeguards your business from unexpected claims like accidents or negligence, ensuring you can focus on growing your business without worrying about potential legal or financial risks.
What are the policy limits?
We offer industry-leading limits, up to $3,000,000 in aggregate coverage.
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
What does professional liability insurance cover?
Professional liability insurance protects you from claims related to mistakes or negligence during your services, such as a client injury caused during a treatment.
What does general liability insurance cover?
General liability insurance covers claims for bodily injury or property damage that occur during your services, like a client slipping in your studio.
What are the policy limits for my coverage?
Our policy starts at $1,000,000 per occurrence with a $2,000,000 aggregate limit, with the ability to increase.
What services are excluded?
Certain high-risk services like Brazilian waxing, Botox, and chemical peels are excluded. For a complete list, check our policy details page.
Does this insurance cover my employees?
No, this policy does not cover employees. However, independent contractors can purchase their own policy and add you as an additional insured.
Do I need separate policies for different services?
No, our insurance covers all the services you offer under one policy, whether you’re a massage therapist, yoga instructor, or esthetician.
What does product liability insurance cover?
Product liability insurance protects you if a product you use in your services causes harm to a client, such as an allergic reaction to skincare products.
How long does my policy last?
The policy lasts for one year from the date of purchase, with the option to renew annually.
Do you cover mobile businesses?
Yes! Our coverage moves with you, whether you’re working in a studio, at a client’s home, or on the go.
Why is insurance important for my business?
Insurance safeguards your business from unexpected claims like accidents or negligence, ensuring you can focus on growing your business without worrying about potential legal or financial risks.
What are the policy limits?
We offer industry-leading limits, up to $3,000,000 in aggregate coverage.
FAQS
Frequently Asked Questions
Find quick answers to the most common questions.
Do you offer insurance for independent contractors?
What types of insurance do you offer?
Do I need multiple policies for different services?
What does liability insurance cover?
Why is insurance important for my business?