How much does small business insurance cost?

Total value (without spending your total paycheck, friends).

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    If there’s one thing we hate more than a bad skin day (featuring that one breakout you get despite doing everything right), it’s surprise fees. 

    Who doesn’t? Budgeting for a small business is challenging enough without insurance companies hiding their prices. Either they conceal their quotes behind an app—or they use so much jargon, you practically need a translator app to keep up. 

    Luckily, WellnessPro Insurance has entered the chat.

    Small Business Insurance Costs: The Breakdown

    At WellnessPro, we believe the path to coverage should be as clear and smooth as your most glowing skin. No bumps, no stress, no confusion. We’re leaving that behind, friend.

    Determining your small business insurance costs is easy. Scroll below to find your modality. We’ll tell you exactly how much our wellness, bodywork, salon, and beautician insurance costs with WellnessPro.

    Beauty Modalities

    Beauty
    Barber and Hairstylist Insurance Costs$159/year for $1 million$179/year for $2 million
    Cosmetology Insurance Costs$159/year for $1 million$179/year for $2 million
    Esthetician Insurance Costs$159/year for $1 million$179/year for $2 million
    Nail Technician Insurance Costs$159/year for $1 million$179/year for $2 million
    Tattoo, Body Piercing, and Permanent Cosmetics Insurance Costs$299/year for $1 million$399/year for $2 million
    Tanning Salon Insurance Costs (airbrush tanning only)$159/year for $1 million$179/year for $2 million

    Massage Therapy, Alternative Medicine, and Bodywork Modalities

    Massage Therapy, Alternative Medicine, and Bodywork
    Acupuncture Professional Insurance Costs$199/year for $1 million$239/year for $2 million
    Aromatherapy (Aromatherapist) Insurance Costs$159/year for $1 million$179/year for $2 million
    Ayurveda (Ayurvedic Practitioner) Insurance Costs$199/year for $1 million$229/year for $2 million
    Insurance for Biofeedback Practitioners$179/year for $1 million$209/year for $2 million
    Insurance for Bodyworkers$159/year for $1 million$179/year for $2 million
    Insurance for Cupping Therapists (must be integrated with another therapy)$179/year for $1 million$199/year for $2 million
    Insurance for Ear Candling Professionals$159/year for $1 million$179/year for $2 million
    Emotionally Focused Therapy (EFT) Insurance Costs$159/year for $1 million$179/year for $2 million
    Energy Worker Insurance Costs$159/year for $1 million$179/year for $2 million
    Insurance for Herbalists (Herbalist Consultation Therapy)$159/year for $1 million$179/year for $2 million
    Massage Therapy (Massage Therapists) Insurance Costs$159/year for $1 million$179/year for $2 million
    Naturopathic Consulting (Naturopath) Insurance Costs$159/year for $1 million$179/year for $2 million

    Fitness and Nutrition Modalities

    Five photos cropped into circles representing fitness modalities. Left to right: Personal trainer coaching a student doing bicep curls with a dumbell; a pilates instructor teaching a student on a reformer; a nutrition coach holding cherry tomatoes to a laptop camera; water aerobics students holding weights in a pool; and a coach talking to children on a soccer field.
    Fitness and Nutrition
    Aerial and AcroYoga Instructor Insurance Costs$189/year for $1 million$219/year for $2 million
    Dance Instructors Insurance Costs$229/year for $1 million$249/year for $2 million
    Fitness Instructor Insurance Costs$229/year for $1 million$249/year for $2 million
    Insurance for Nutritional Therapists and Consultants$159/year for $1 million$179/year for $2 million
    Personal Trainers Insurance Costs$229/year for $1 million$249/year for $2 million
    Insurance for Pilates Teachers, Instructors, and Studios$229/year for $1 million$249/year for $2 million
    Pole Fitness Instructors Insurance Costs$229/year for $1 million$249/year for $2 million
    Sports Coach and Recreational Fitness Insurance Costs$229/year for $1 million$249/year for $2 million
    Water/Aqua Aerobics Instructor Insurance Costs$229/year for $1 million$249/year for $2 million
    Health and Wellness Life Coaches Insurance Costs$159/year for $1 million$179/year for $2 million
    Yoga Teacher/Instructor Insurance Costs$159/year for $1 million$179/year for $2 million

    Pet Modalities

    Pet Modalities
    Dog and Pet Groomer Insurance Costs$159/year for $1 million$179/year for $2 million

    Offer multiple modalities?

    Bundle them to reduce your small business insurance costs.

    Unlike other insurers, our business insurance costs aren’t based on the number of services you offer or how much money you make. 

    Imagine, for example, you're a tattoo artist who’s also a barber. You want your clients to get the best of both worlds. Instead of paying separately for barber insurance and tattoo artist insurance, you’d want a policy that bundles your business insurance costs together for a lower price.

    You’re a barber.

    You want a $1 million policy.

    Your rate: $159

    Black and white icon featuring a hairdryer.

    You’re a tattoo artist.

    You want a $1 million policy.

    Your rate: $299

    Icon of a tattoo gun drawing a heart on a wrist. Tattoo, body piercing, and permanent cosmetics insurance is crucial for artists.

    You’re a barber and a tattoo artist. (I like it, Picasso!)

    You want a $1 million policy that covers both.

    Because tattoo art is a higher-risk service, your business insurance costs would only calculate the tattoo costs.

    Your rate: $299

     

    That’s what estheticians, beauticians, personal trainers, nutritionists, and other wellness experts love about WellnessPro. 

    With us, only two things affect your small business insurance costs: which service has the highest risk, and if you want $1 million or $2 million in coverage. You can get coverage for one service. Or, if you want coverage for three services, just pay for the one with the highest risk. We’ll cover the additional two for no additional price.

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    Are your small business insurance costs worth it?

    Pro tip: Check what’s included.

    Beyond how much your small business insurance costs, keep in mind what that price gives you.

    If peace of mind is what you’re looking for, take that victorious Ujjayi breath. You’ve come to the right place. With a WellnessPro policy, you can look forward to fantastic benefits like:

    Benefits for Every Style

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    Great Coverage Options

    1. Errors and Omissions (E&O)
    2. General Liability
    3. Personal and Advertising Injuries
    4. Product Liability (for resale only)
    5. Fire Damage to Rental Properties

    Learn More

    Fast, Online Coverage

    Apply online for fast, same-day proof of insurance. Coverage starts the day you join (and can be future-dated up to 90 days).

    Apply Now

    Modality Bundling

    If you offer more than one service, only play for one. The others are covered at no additional charge.

    Get to Know the Program

    Peace of Mind Against:

    • Defense fees.
    • Legal fees.
    • Court costs.

    — Regardless of a covered claim’s outcome.

    Insurance That Follows You

    Licensed in all 50 US states, (plus the District of Columbia) for mobile, rented, and work-from-home business.

    Plus, cover additional insureds for only $10/each.

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    Get covered today.

    Looking for fitness, nutrition, bodywork, beauty, and wellness insurance that puts your business first?

    Your search is over. Click below to apply online and get covered today.

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