Protect your business and meet your legal requirements

Your personal care business helps clients feel their best – whether you're a massage therapist, day spa operator or hair weaving virtuoso. Unfortunately, one surprise expense (a curling iron fire or an allergic reaction to a facial) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. Give your business the care it deserves with this quick guide to:

North Carolina's required coverages
The most recommended protections
Some typical costs of personal care services insurance
How to save with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy providing amazing care)

Personal care service providers in North Carolina face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for personal care providers saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance covers injuries and damages caused by your personal care business, as well as advertising-related claims.
Property insurance helps personal care businesses replace or repair damaged equipment, furnishings and inventory.
Workers’ compensation is required by North Carolina for any company with three or more employees.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Professional liability for personal care companies protects against claims of negligence or harm from services.
Cyber insurance for personal care businesses covers data breaches, including regulatory fines and digital recovery costs.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR NORTH CAROLINA PERSONAL CARE SERVICE PROVIDERS:

Here are five essential coverages every personal care service professional should consider to stay protected and profitable:

1. Business Owner's Policy for personal care service companies

A business owner’s policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing personal care businesses. Your BOP typically includes:

GENERAL LIABILITY FOR PERSONAL CARE PROVIDERS Covers legal and medical costs if a client is injured or their property damaged while they're using your service. It also protects you from advertising-related claims. Examples:

A client slips on a wet floor and sprains their ankle
A massage table collapses during a session
A competitor accuses you of copying their branding

PERSONAL CARE BUSINESS PROPERTY INSURANCE Helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A curling iron sparks a fire that damages your hair care stations
A break-in results in stolen inventory
A burst pipe floods your spa and ruins flooring and furnishings.

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily close your business due to covered property damage.

Personal care service providers in North Carolina typically pay between $315-$1,500 a year for general liability. Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation for personal care employees (required in North Carolina)

If you have three employees or more, North Carolina law requires you to carry worker's comp. It covers medical care and lost wages for staff injured on the job—and shields you from most employee lawsuits. Examples:

A massage therapist strains their wrist during a session
A permanent make-up provider develops a skin reaction from product exposure
A receptionist trips over cords and suffers a concussion

3. Professional liability for personal care service providers

Also known as malpractice insurance for estheticians, this coverage protects you from claims of negligence or harm related to your professional services. Examples:

A facial treatment causes a severe allergic reaction
A waxing session results in skin burns
A massage leads to unexpected muscle injury

4. Cyber insurance for personal care businesses

If you use online booking, store client data or offer digital gift cards, you’re at risk for cyberattacks. Cyber insurance for personal care services helps you recover from data breaches, pay regulatory fines and manage PR fallout. Examples:

Hackers steal credit card info from your booking system
Your Instagram is hijacked and used for scams
Sensitive employee data is exposed due to a phishing attack

5. Commercial umbrella insurance for personal care companies

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection for your personal care service when other key policies such as general liability reach their limits.

THE BEST INSURANCE FOR PERSONAL CARE SERVICE PROVIDERS

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected over 75,000 small business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in your state – at no cost to you.

In minutes, Mylo will: