Esthetician insurance: Cover Premium Index
For business owner's policy, the median published figure in the Cover Premium Index is 80 USD across 4 figures from the sources' own pages (range 70 to 100 USD), read 12 October 2026.
- 2710 to 54
- 1254 to 98
- 698 to 142
- 6142 to 187
- 2187 to 231
- 1231 to 275
Bands
| Bucket | Value |
|---|---|
| 10 to 54 | 27 figures |
| 54 to 98 | 12 figures |
| 98 to 142 | 6 figures |
| 142 to 187 | 6 figures |
| 187 to 231 | 2 figures |
| 231 to 275 | 1 figure |
33 of the 52 named sources read in full publish a figure; 19 publish none, read 12 October 2026.
By cover and trade and market
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| coverbusiness-owners-policy | 59.5USD | 47 to 72USD | 2 |
| coverprofessional-liability | 42USD | 42 to 42USD | 1 |
| coverworkers-compensation | 64USD | 56 to 72USD | 2 |
| coverinland-marine | 43USD | 43 to 43USD | 1 |
| coverprofessional indemnity | 8.5GBP | 8.5 to 8.5GBP | 1 |
| coverbusiness owner's policy | 80USD | 70 to 100USD | 4 |
| coverprofessional liability | 42USD | 42 to 42USD | 2 |
| coverworkers' compensation | 63USD | 50 to 168USD | 3 |
| covercyber | 154USD | 129 to 179USD | 2 |
| coverworkers compensation | 168USD | 140 to 217USD | 3 |
| covercontractor's tools and equipment | 42USD | 42 to 42USD | 1 |
| covercommercial auto | 207.5USD | 140 to 275USD | 2 |
| tradeesthetician | 169USD | 96 to 179USD | 3 |
| trademassage-therapist | 169USD | 169 to 169USD | 1 |
| marketNew York | 47USD | 47 to 47USD | 1 |
| marketColorado | 54USD | 54 to 54USD | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
The sentence each figure was read from (60)
- Insureon, electrician insurance cost, read 2026-10-12:
Electricians pay an average of $275 per month, or $3,304 annually, for commercial auto insurance.
- TechInsurance, electrical contractor cost, read 2026-10-12:
Electrical companies spend an average of $217 per month, or $2,602 annually, for workers' compensation insurance.
- Insured Nomads, international health insurance cost, read 2026-10-12:
If you are doing the math here that means for less than $200.00 a month the average individual international health insurance plan from Insured Nomads provides you with comprehensive protection from unpredictable medical costs while you pursue your adventures outside of the USA.
- NACAMS, esthetician insurance, read 2026-10-12:
$179
- TechInsurance, cyber liability cost, read 2026-10-12:
IT consultants, MSPs, and similar businesses often need tech E&O instead of standard cyber insurance, which accounts for why IT businesses pay an average of $179 per month compared to other, less risky businesses.
- Beauty Insurance Plus, esthetician insurance, read 2026-10-12:
$169
- Massage Liability Insurance Group, massage insurance, read 2026-10-12:
$169
- NEXT Insurance, electrician insurance cost, read 2026-10-12:
Workers’ compensation insurance median cost is $168 per month.
- NEXT Insurance, electrician insurance cost, read 2026-10-12:
Median cost of $168 per month.
- Insureon, electrician insurance cost, read 2026-10-12:
Electrical businesses pay an average of $140 per month for workers’ compensation insurance, or $1,679 annually.
- TechInsurance, electrical contractor cost, read 2026-10-12:
Electrical contracting businesses spend an average of $140 per month, or $1,682 per year, for commercial auto insurance.
- TechInsurance, cyber liability cost, read 2026-10-12:
TechInsurance customers pay an average of $129 monthly for a cyber insurance policy.
- Insureon, cyber liability cost, read 2026-10-12:
Insureon's small business customers pay an average of $129 monthly for a cyber insurance policy.
- Insureon, hair salon insurance cost, read 2026-10-12:
Hair stylists and other small business owners pay an average of $129 per month, or $1,552 annually, for cyber insurance.
- Insureon, electrician insurance cost, read 2026-10-12:
Premium: $100 per month
- Insurance Canopy, esthetician insurance, read 2026-10-12:
$96
- Insureon, massage therapist insurance cost, read 2026-10-12:
Insurance premium: $82 per month
- TechInsurance, electrical contractor cost, read 2026-10-12:
On average, electricians pay $78 per month, or $937 per year, for a business owner's policy (BOP).
- NEXT Insurance, electrician insurance cost, read 2026-10-12:
Electrician insurance can cost as little as $75 per month¹ but the exact price you’ll pay depends the work you do, where you work, how many employees you have and other factors.**
- Insureon, esthetician insurance cost, read 2026-10-12:
Insurance premium: $72 per month
- Insureon, esthetician insurance cost, read 2026-10-12:
For skincare businesses, workers’ compensation insurance costs an average of $72 per month, or $860 per year.
- Insureon, hair salon insurance cost, read 2026-10-12:
Insurance premium: $70 per month Policy limits: $1 million per occurrence; $2 million aggregate
- The Hartford, product liability insurance cost, read 2026-10-12:
Product liability insurance is often included as a part of your general liability policy, which costs our customers an average of $68 a month or $810 a year.** Keep in mind that your product liability insurance cost depends on a number of different factors, including your industry and the risk of customer lawsuits associated with your products or completed services.
- Insureon, hair salon insurance cost, read 2026-10-12:
For hair salons and other cosmetology businesses, workers’ compensation insurance costs an average of $63 per month, or $757 per year.
- Insureon, electrician insurance cost, read 2026-10-12:
Premium: $61 per month
- TechInsurance, electrical contractor cost, read 2026-10-12:
Premium: $57 per month
- TechInsurance, photography and video insurance cost, read 2026-10-12:
On average, photography and videography companies pay $56 per month, or an annual premium of $670, for workers' compensation insurance.
- Insureon, product liability cost, read 2026-10-12:
$54 per month
- Insureon, massage therapist insurance cost, read 2026-10-12:
For massage therapy businesses, workers’ compensation insurance costs an average of $50 per month, or $604 per year.
- TechInsurance, photography and video insurance cost, read 2026-10-12:
Premium: $47 per month
- Insureon, product liability cost, read 2026-10-12:
$47 per month
- TechInsurance, product liability cost, read 2026-10-12:
It's typically included in general liability insurance, which costs an average of $45 per month for TechInsurance's customers.
- Insureon, product liability cost, read 2026-10-12:
Small businesses pay an average of $45 per month, or about $538 annually, for general liability insurance.
- TechInsurance, photography and video insurance cost, read 2026-10-12:
Photo and video businesses pay an average of $43 per month, or $519 yearly, for inland marine insurance.
- Insureon, esthetician insurance cost, read 2026-10-12:
Insurance premium: $42 per month
- Insureon, massage therapist insurance cost, read 2026-10-12:
Insurance premium: $42 per month
- Insureon, hair salon insurance cost, read 2026-10-12:
Insurance premium: $42 per month
- Insureon, electrician insurance cost, read 2026-10-12:
Electricians pay an average of $42 per month for contractor’s tools and equipment insurance, or $503 annually.
- Insureon, liquor liability cost, read 2026-10-12:
Small businesses pay an average premium of $41 per month for liquor liability insurance.
- Simply Business US, electrician insurance cost, read 2026-10-12:
Median Cost: $37/month
- Insureon, hair salon insurance cost, read 2026-10-12:
Insurance premium: $35 per month
- Insureon, massage therapist insurance cost, read 2026-10-12:
Insurance premium: $30 per month
- Insureon, esthetician insurance cost, read 2026-10-12:
Insurance premium: $29 per month
- TechInsurance, photography and video insurance cost, read 2026-10-12:
Premium: $29 per month
- FLIP, liquor liability insurance cost, read 2026-10-12:
Liquor Liability Annual: 365 days of coverage starting at $25 per month
- ASCP, esthetician liability insurance, read 2026-10-12:
$23 per month
- Simply Business US, photographer insurance cost, read 2026-10-12:
Insurance Policy Median Monthly Cost Median Annual Cost General Liability $17 $200
- Associated Hair Professionals, hairstylist liability insurance, read 2026-10-12:
For only $199 per year or $17 per month, you receive:
- NEXT Insurance, photographer insurance cost, read 2026-10-12:
Photographer insurance can cost as little as $16.67 per month¹ but the exact price you’ll pay depends the work you do, where you work, how many employees you have and other factors.**
- NEXT Insurance, hair stylist insurance cost, read 2026-10-12:
Hair stylist insurance can cost as little as $16.67 per month¹ but the exact price you’ll pay depends the work you do, where you work, how many employees you have and other factors.**
- Square One, Ontario tenant insurance, read 2026-10-12:
Ontario tenant insurance from $15/month
- NACAMS, hairstylist insurance, read 2026-10-12:
For just $14.91/month, get what you need in one easy checkout process.
- MoneySuperMarket, landlord insurance, read 2026-10-12:
Quotes from £14.40[1]
- Full Frame Insurance, photography insurance, read 2026-10-12:
$12 / month
- Insurance Canopy, esthetician insurance, read 2026-10-12:
Monthly Policy: starting at $10/month
- BBI Insure Bodywork, massage therapy insurance, read 2026-10-12:
Get Covered From $9.99/Month
- Hiscox UK, how much does professional indemnity cost, read 2026-10-12:
Hiscox professional indemnity quotes start from £8.50 a month*, with some higher policies covering up to £10,000,000.
- Hiscox UK, how much does professional indemnity cost, read 2026-10-12:
Hiscox professional indemnity quotes start from £8.00 a month*, with some higher policies covering up to £10,000,000.
- Markel Direct UK, professional indemnity cost, read 2026-10-12:
However, with Markel Direct you can get PI cover from £8 per month*.
- Simply Business UK, professional indemnity insurance, read 2026-10-12:
Professional indemnity insurance quotes from £6.90 per month
Read in full, publishes no figure
19 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Tivly, photography insurance cost, read 2026-10-12: every candidate on the page was refused
- Elite Beauty Society, esthetician insurance cost, read 2026-10-12: every candidate on the page was refused
- Elite Beauty Society, hairstylist liability insurance, read 2026-10-12: every candidate on the page was refused
- NACAMS, massage therapy insurance, read 2026-09-12: every candidate on the page was refused
- Caravan Guard, touring caravan insurance, read 2026-10-12: every candidate on the page was refused
- Comfort Insurance, campervan insurance, read 2026-09-12: every candidate on the page was refused
- Lexham Insurance, campervan insurance, read 2026-10-12: read in full and no accepted figure on the page
- Just Kampers Insurance, campervan and VW camper insurance, read 2026-10-12: every candidate on the page was refused
- Howden, campervan insurance, read 2026-10-12: read in full and no accepted figure on the page
- GoShorty, temporary van insurance, read 2026-10-12: every candidate on the page was refused
- Performance Direct, temporary van insurance, read 2026-09-12: every candidate on the page was refused
- Insure 4 a Day, temporary van insurance, read 2026-10-12: read in full and no accepted figure on the page
- Alan Boswell Group, UK landlord insurance statistics, read 2026-10-12: every candidate on the page was refused
- Insuranceline, funeral insurance, read 2026-10-12: every candidate on the page was refused
- Suncorp, funeral insurance, read 2026-10-12: every candidate on the page was refused
- Australian Seniors, funeral insurance cost, read 2026-10-12: every candidate on the page was refused
- Square One, Toronto tenant insurance, read 2026-10-12: every candidate on the page was refused
- APRIL International, how much does international health insurance cost, read 2026-10-12: every candidate on the page was refused
- Finder AU, trauma insurance cost, read 2026-10-12: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
33 of the 52 named sources that could be read published a usable figure; 19 published none and are recorded as not published, never filled in; 3 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in USD (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 54 figures, never sentences; 602 candidate sentence(s) were refused by a reviewer with the reason recorded.
The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the median, minimum and maximum PUBLISHED price per cover, per trade and per market across every insurer, MGA and scheme that publishes one at all - and, beside it, the share that publishes nothing: on the 52 pages read for this charter the beauty and wellness schemes publish an annual rate to the pound ($149, $179, $199, $259) while the UK motor-leisure specialists mostly quote only, so the finding nobody publishes is WHICH markets have a shelf price and which hide behind a quote form.
Then the spread within one cover (esthetician liability runs $96/yr to $259/yr across seven schemes), the gap between a scheme's flat rate and a broker's median for the same trade, the repriced-since the previous read, and the cheapest published price per trade per market.
602 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (55)
- Insureon, esthetician insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, massage therapist insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, hair salon insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, electrician insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, liquor liability cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, product liability cost(the publisher's own terms; quoted for reporting and comment)
- Insureon, cyber liability cost(the publisher's own terms; quoted for reporting and comment)
- TechInsurance, photography and video insurance cost(the publisher's own terms; quoted for reporting and comment)
- TechInsurance, product liability cost(the publisher's own terms; quoted for reporting and comment)
- TechInsurance, cyber liability cost(the publisher's own terms; quoted for reporting and comment)
- TechInsurance, electrical contractor cost(the publisher's own terms; quoted for reporting and comment)
- Simply Business US, photographer insurance cost(the publisher's own terms; quoted for reporting and comment)
- Simply Business US, electrician insurance cost(the publisher's own terms; quoted for reporting and comment)
- Tivly, photography insurance cost(the publisher's own terms; quoted for reporting and comment)
- NEXT Insurance, photographer insurance cost(the publisher's own terms; quoted for reporting and comment)
- NEXT Insurance, hair stylist insurance cost(the publisher's own terms; quoted for reporting and comment)
- NEXT Insurance, electrician insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insurance Canopy, esthetician insurance(the publisher's own terms; quoted for reporting and comment)
- ASCP, esthetician liability insurance(the publisher's own terms; quoted for reporting and comment)
- Elite Beauty Society, esthetician insurance cost(the publisher's own terms; quoted for reporting and comment)
- Elite Beauty Society, hairstylist liability insurance(the publisher's own terms; quoted for reporting and comment)
- NACAMS, esthetician insurance(the publisher's own terms; quoted for reporting and comment)
- NACAMS, massage therapy insurance(the publisher's own terms; quoted for reporting and comment)
- NACAMS, hairstylist insurance(the publisher's own terms; quoted for reporting and comment)
- Beauty Insurance Plus, esthetician insurance(the publisher's own terms; quoted for reporting and comment)
- Massage Liability Insurance Group, massage insurance(the publisher's own terms; quoted for reporting and comment)
- BBI Insure Bodywork, massage therapy insurance(the publisher's own terms; quoted for reporting and comment)
- Full Frame Insurance, photography insurance(the publisher's own terms; quoted for reporting and comment)
- FLIP, liquor liability insurance cost(the publisher's own terms; quoted for reporting and comment)
- The Hartford, product liability insurance cost(the publisher's own terms; quoted for reporting and comment)
- Associated Hair Professionals, hairstylist liability insurance(the publisher's own terms; quoted for reporting and comment)
- Simply Business UK, professional indemnity insurance(the publisher's own terms; quoted for reporting and comment)
- Hiscox UK, how much does professional indemnity cost(the publisher's own terms; quoted for reporting and comment)
- Markel Direct UK, professional indemnity cost(the publisher's own terms; quoted for reporting and comment)
- Caravan Guard, touring caravan insurance(the publisher's own terms; quoted for reporting and comment)
- Comfort Insurance, campervan insurance(the publisher's own terms; quoted for reporting and comment)
- Lexham Insurance, campervan insurance(the publisher's own terms; quoted for reporting and comment)
- Just Kampers Insurance, campervan and VW camper insurance(the publisher's own terms; quoted for reporting and comment)
- Howden, campervan insurance(the publisher's own terms; quoted for reporting and comment)
- GoShorty, temporary van insurance(the publisher's own terms; quoted for reporting and comment)
- Performance Direct, temporary van insurance(the publisher's own terms; quoted for reporting and comment)
- Insure 4 a Day, temporary van insurance(the publisher's own terms; quoted for reporting and comment)
- Alan Boswell Group, UK landlord insurance statistics(the publisher's own terms; quoted for reporting and comment)
- Insuranceline, funeral insurance(the publisher's own terms; quoted for reporting and comment)
- Suncorp, funeral insurance(the publisher's own terms; quoted for reporting and comment)
- Australian Seniors, funeral insurance cost(the publisher's own terms; quoted for reporting and comment)
- Square One, Ontario tenant insurance(the publisher's own terms; quoted for reporting and comment)
- Square One, Toronto tenant insurance(the publisher's own terms; quoted for reporting and comment)
- APRIL International, how much does international health insurance cost(the publisher's own terms; quoted for reporting and comment)
- Insured Nomads, international health insurance cost(the publisher's own terms; quoted for reporting and comment)
- AXA UK, professional indemnity insurance(the publisher's own terms; quoted for reporting and comment)
- Adrian Flux, caravan insurance(the publisher's own terms; quoted for reporting and comment)
- MoneySuperMarket, landlord insurance(the publisher's own terms; quoted for reporting and comment)
- Finder AU, trauma insurance cost(the publisher's own terms; quoted for reporting and comment)
- nipr.com(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
For business owner's policy, the median published figure in the Cover Premium Index is 80 USD across 4 figures from the sources' own pages (range 70 to 100 USD), read 12 October 2026.
33 of the 52 named sources read in full publish a figure; 19 publish none, read 12 October 2026.
Cover Premium Index, cover business-owners-policy: median 59.50 USD across 2 sources, read 12 October 2026.
Cover Premium Index, cover professional-liability: median 42 USD across 1 source, read 12 October 2026.
Cover Premium Index, cover workers-compensation: median 64 USD across 2 sources, read 12 October 2026.
Cover Premium Index, cover inland-marine: median 43 USD across 1 source, read 12 October 2026.
Cover Premium Index, cover professional indemnity: median 8.50 GBP across 1 source, read 12 October 2026.
Cover Premium Index, cover business owner's policy: median 80 USD across 4 sources, read 12 October 2026.
Cover Premium Index, cover professional liability: median 42 USD across 2 sources, read 12 October 2026.
Cover Premium Index, cover workers' compensation: median 63 USD across 3 sources, read 12 October 2026.
Cover Premium Index, cover cyber: median 154 USD across 2 sources, read 12 October 2026.
Cover Premium Index, cover workers compensation: median 168 USD across 3 sources, read 12 October 2026.
Cover Premium Index, cover contractor's tools and equipment: median 42 USD across 1 source, read 12 October 2026.
Cover Premium Index, cover commercial auto: median 207.50 USD across 2 sources, read 12 October 2026.
Cover Premium Index, trade esthetician: median 169 USD across 3 sources, read 12 October 2026.
Cover Premium Index, trade massage-therapist: median 169 USD across 1 source, read 12 October 2026.
Cover Premium Index, market New York: median 47 USD across 1 source, read 12 October 2026.
Cover Premium Index, market Colorado: median 54 USD across 1 source, read 12 October 2026.
Cite as: "Issafu Cover Premium Index", updated 2026-10-22, https://issafu.com/datasets/cover-premium-index/.
Download the CSV (60 rows, computed 2026-10-22)