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Insurance Designed For The Way You Work  

Whether you’re a esthetician, massage therapist, life coach, or salon owner, Gild Studio Policy provides insurance that fits your unique business.

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Built for Destroy the Hairdresser Creatives

Gild Studio Policy™ was created by Gild Insurance Agency specifically for business owners like you. This one-of-a-kind solution offers policy combinations you won’t find from big carriers or generic online brokers. 

We understand the unique risks faced by beauty, wellness, and creative professionals - from salon owners and suite renters to tattoo artists and massage therapists.

Our policies protect your craft, your space, and your future.

Built for Professionals. Priced for Reality.

General Liability + SAM

$250

  • Checkmark Sexual Abuse & Molestation
  • Checkmark Bodily Injury to Others
  • Checkmark Property Damage to Others
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General Liability + SAM & Property

$350

  • Checkmark Sexual Abuse & Molestation
  • Checkmark Tools & Equipment
  • Checkmark Bodily Injury to Others
Get a Quote

General Liability + SAM & Professional Liability

$350

  • Checkmark Sexual Abuse & Molestation
  • Checkmark Bodily Injury to Others
  • Checkmark Client Dissatisfaction
  • Checkmark Negligence & Mistakes
Get a Quote
Most Popular

General Liability + SAM & Professional Liability & Property

$450

  • Checkmark Sexual Abuse & Molestation
  • Checkmark Client Dissatisfaction
  • Checkmark Tools & Equipment
  • Checkmark Bodily Injury to Others
Get a Quote

Who's It For?

Coverage for a wide range of studio-based businesses:

  • Tattoo Artists & Studios
  • Massage Therapists
  • Life & Wellness Coaches
  • Estheticians & Makeup Artists
  • Hair Stylists & Barbers
  • Nail Technicians
  • Reiki & Energy Workers
  • Personal Trainers
  • Wellness Studios
  • Dietitians
  • Chiropractors


And many more businesses and professionals in personal services! 


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Why Choose Gild Studio Policy™

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Easy digital enrollment

GILD Icon_Affordable

Affordable coverage built for small businesses

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Meet compliance & insurance requirements

GILD Icon_Hard to find coverage

Hard to find coverage, made easy and included

  • Sexual Abuse & Molestation Coverage

  • Tools & Equipment

  • Professional Liability

  • Business Income Interruption

Sexual Abuse & Molestation (SAM) Coverage protects your business in the event of an allegation of inappropriate or harmful behavior—whether the claim is true or not.

If you work in close contact with clients (like massage therapists, estheticians, or bodywork professionals), this coverage is critical. Even unfounded accusations can be financially and emotionally devastating. SAM coverage helps protect your reputation and business from the legal and financial fallout of such claims.

Example: If a client accuses you of inappropriate behavior during a session, whether the claim is valid or not, SAM coverage can help cover your legal defense and protect your business.

Business Personal Property (BPP) covers the physical items you use to run your business. 

Think furniture, tools, supplies, and equipment that aren't permanently attached to the building. Whether it's your styling chair, massage table, tattoo machine, skincare products, or ring light setup, BPP helps pay for repair or replacement if your property is damaged, stolen, or lost due to a covered event (like fire, theft, or water damage). If it’s movable and essential to your work, it’s likely covered.

Example: If a fire breaks out in your salon suite and destroys your blow dryers and product shelves, Business Personal Property (BPP) coverage can help cover the cost of replacing these items, so you’re not paying out-of-pocket.

Professional Liability covers you if a client claims that your work caused them harm, didn’t meet expectations, or resulted in a financial loss.

Even the most skilled professionals can face misunderstandings or disputes. This coverage protects your reputation and your business when things don’t go as planned.

Example: A client says a treatment caused a skin reaction or a coaching session gave harmful advice—Professional Liability helps cover legal costs and protect your business.

Business income interruption insurance is a type of coverage that protects businesses from financial losses due to unexpected disruptions.

Covered events like a fire, water damage, or another unexpected disruption. If your studio or suite becomes unusable and you can’t serve clients, this coverage helps keep your business financially stable by reimbursing you for lost income during the downtime.

Example: A pipe bursts in your suite, forcing you to close for repairs. Business Income Interruption coverage helps replace the income you would have earned while your space is out of commission.

Need Help Finding Which Coverage Works Best?

SCHEDULE A CALL WITH A GILD AGENT

Need More Than What You're Seeing Here? We’ve Got You.

Just need professional liability or building coverage?
No problem. You can customize coverage to fit your setup.

Worried about other risks like cyber, workers comp, or even commercial auto?
Yep, we handle that too.

Not sure what coverage you actually need?
We’re here to help. Reach out any time.

SCHEDULE A CALL WITH A GILD AGENT

Serious Coverage. Available in Minutes.

Disclosure: Gild Studio Policy is built in partnership with Blitz Insurance. Coverage minimum premiums displayed, availability and terms may vary by state and individual risk profile. Professional liability insurance eligibility dependent on operations. Product offerings unavailable in New York, Hawaii, Idaho, and Louisiana. For full details, please review our Terms & Conditions.

 

 

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