60%+ of cosmetologists are independent contractors with zero employer benefits. One gap in coverage could cost you everything you've built.
Get Your Free Protection KitYou're building a career with your hands, your talent, and your reputation. But without the right protection, one setback can unravel everything.
Booth renters, independent stylists, and mobile professionals don't get health insurance, disability, or life coverage from an employer. If you don't buy it, you don't have it.
One injury to your hands, back, or wrists can stop your income overnight. Repetitive strain, chemical exposure, and long hours on your feet take a toll over time.
Your client list, your equipment, your lease obligations, your brand. If something happens to you, does your family know what to do with the business you've built?
Six tools built specifically for cosmetology professionals. Everything you need to understand your gaps and close them.
Step-by-step worksheet to organize your wishes, designate beneficiaries, and protect your family.
Identify exactly where you're exposed as a self-employed professional with no employer plan.
Personalized guide to figure out what coverage you actually need based on your situation.
Protect your client relationships, equipment, lease, and brand if something unexpected happens.
Understand your options for disability and income replacement coverage when you're self-employed.
A licensed agent reviews your kit with you and helps you understand your options. No pressure, no cost.
Plans designed to fill the gaps independent cosmetologists face every day.
Affordable life insurance to protect your family, even without an employer plan.
Income replacement if an injury or illness keeps you out of the chair.
Lump-sum payment for serious diagnoses so you can focus on recovery.
Ensure your family isn't burdened with funeral and end-of-life costs.
Individual dental and vision plans at group-like rates for self-employed pros.
Key-person protection, buy-sell funding, and business debt coverage.
Fill out the short form below. Takes less than 60 seconds. No payment info required.
We'll send you a personalized protection kit built for cosmetology professionals like you.
A licensed agent reviews your gaps with you and shows your options. No obligation, no pressure.
"I've owned my salon for 8 years and never once had someone sit me down and explain what I was missing. The gap analysis was eye-opening. I had no disability coverage at all."
"As a booth renter, I just assumed I couldn't afford real coverage. Turns out I was wrong. The agent who called me was super helpful and didn't push anything I didn't need."
"I'm a mobile stylist and I never thought about what would happen to my clients or my income if I got hurt. This kit made me think about things I'd been avoiding."
Takes 60 seconds. No cost, no obligation.