When beauty professionals compare ASCP Liability Insurance V.S. Beauty Insurance Plus, they’re not just comparing two companies. They’re comparing confidence. Stability. Protection. And honestly? They’re comparing the future of their careers.
I’ve worked with estheticians, lash artists, makeup pros, and hybrid beauty specialists for years. I’ve watched insurance step in like a hero… and I’ve seen it fail people when they needed it most. Nothing hits harder than a claim that doesn’t get approved. Especially when you thought you were covered.
You know that feeling when you open your treatment room door—clean towels, warm lights, peaceful music—and feel that little spark of pride? Good insurance helps protect that moment. It protects the business you built with your own hands.
So today, let’s break down ASCP Liability Insurance and Beauty Insurance Plus side by side. Clearly. Honestly. Simply. And with a little heart.
ASCP Liability Insurance V.S. Beauty Insurance Plus
When people talk about ASCP Liability Insurance V.S. Beauty Insurance Plus, they’re usually trying to answer a simple question:
“Which one covers what I actually do behind the treatment table?”
And that’s fair. Because every beauty pro works differently.
ASCP (Associated Skin Care Professionals) focuses heavily on estheticians. Their coverage revolves around skin care, clinical spa treatments, and hands-on beauty procedures. They’re a long-standing name in the industry.
Beauty Insurance Plus, on the other hand, spreads more widely across the beauty world. Lash techs, makeup artists, brow stylists, wax specialists—they all lean toward BIP because it’s tailored for multi-service environments.
So when you compare them? You’re really comparing:
- Depth of skin-focused coverage (ASCP)
- Breadth of beauty-service coverage (BIP)
Both strong. Both respected. Both useful—depending on what you do every day.
Coverage Comparison for ASCP Liability Insurance vs Beauty Insurance Plus
Coverage is where things get interesting. And where beauty pros lean in a little closer and say, “Alright… show me the details.”
Table of Contents
Treatment Coverage
ASCP shines in advanced esthetic treatments. If you offer:
- Chemical peels
- Microdermabrasion
- LED therapy
- Acne solutions
- Corrective facials
…ASCP often provides more specialized support.
Beauty Insurance Plus leans toward a broader menu, like:
- Lash extensions
- Brow lamination
- Waxing
- Makeup artistry
- Hair styling
- Minor beauty enhancements
If your business blends beauty categories, BIP tends to feel more flexible.
Liability Limits
Both providers offer strong liability limits. Usually around:
- $2 million per occurrence
- $3–4 million aggregate
That’s industry standard. Enough to protect against common claims like burns, allergic reactions, or accidental injuries.
But here’s something I learned early in my career: It’s not just the limit. It’s how easy the company makes it to use that limit.
ASCP is known for quick support. Beauty Insurance Plus is known for simple enrollment.
Safety Requirements
Some insurance companies hide requirements in the fine print.
For example:
- Certain treatments require certifications
- Some require you to log client consultations
- Some require safety disclaimers
This isn’t a bad thing. It protects you.
ASCP tends to be more structured here because they serve a technically advanced audience. BIP is more flexible because they serve a more diverse beauty group.
Pricing, Membership Value, and Added Benefits
Money matters. Especially when you’re building your beauty business one appointment at a time.
Cost Breakdown
Most beauty pros report similar prices:
- ASCP: Often higher due to esthetics coverage
- BIP: Often lower with broader beauty inclusion
Continuing Education Resources
This is one of my favorite areas because it shows a company’s heart.
ASCP invests deeply in education—articles, videos, webinars, technique breakdowns. If you love learning, ASCP is a goldmine.
Beauty Insurance Plus offers resources too, but they lean toward practical studio operations and beauty business tools rather than deep esthetic science.
Member Perks
Both offer perks like:
- Product discounts
- Tool discounts
- Webinar training
- Marketing support
But their styles differ:
ASCP perks = skin care brands, advanced treatment partners
BIP perks = beauty supply resources, lash products, salon equipment deals
It all depends on your lane.
Practical Scenarios for Skin Care and Beauty Professionals
Let’s go real-world for a second. Because this is where decisions become clear.
Estheticians
If you’re a traditional or advanced esthetician? ASCP is made for you. Literally built with your treatments in mind.
If your menu includes:
- Clinical facials
- Skin therapy
- Dermaplaning
- Peel series
- Anti-aging treatments
ASCP tends to align stronger.
Lash Artists
Lash pros almost always prefer Beauty Insurance Plus.
Why?
- Lash-related injuries are unique
- Tools and adhesives require special consideration
- Client movement risks are higher
Beauty Insurance Plus understands lash industry risks more completely.
Mobile Beauty Providers
Traveling artists deal with:
- Unpredictable workspaces
- Client home risks
- Equipment transport
Both insurance companies offer mobile coverage, but Beauty Insurance Plus tends to highlight mobility more clearly in its plans.
Hybrid Providers
If you do facials + lashes + waxing + brows?
BIP may offer easier all-in-one coverage. ASCP may require checking each service carefully.
How to Choose Between ASCP Liability Insurance V.S. Beauty Insurance Plus
Choosing isn’t hard when you look at your business honestly.
Matching Coverage to Risk
Ask yourself:
- Do my treatments involve chemicals?
- Do I use tools near the eyes?
- Do I work with heat, wax, or sharp implements?
High chemical use → ASCP
High multi-service use → BIP
Career Stage Considerations
New pros often want flexibility. Seasoned pros often want deeper, more specialized protection.
If you’re growing fast, think about where you’ll be next year. Choose the insurance that future-you will still be happy with.
Service-Type Factors
Break your menu down.
If 70%+ of your business is skin care? ASCP likely fits.
If your work spreads across multiple beauty categories? Beauty Insurance Plus probably fits better.
Additional Protections and Optional Insurance Add-ons
Here’s the truth: Most beauty pros are underinsured—not uninsured.
You may need extras like:
- Product liability (if you sell scrubs, aftercare kits, or skincare)
- Equipment protection (for expensive machines or lash lamps)
- Cyber liability (for online booking or client card storage)
- Rental damage coverage (if you lease a suite)
Insurance isn’t just a purchase. It’s a business foundation.
Conclusion
Comparing ASCP Liability Insurance V.S. Beauty Insurance Plus isn’t about picking the “best” company overall. It’s about choosing the best for your hands. Your tools. Your business.
If skin care is your world, ASCP wraps around your services like a safety blanket. If you’re a multi-service beauty pro, Beauty Insurance Plus gives you wider protection across more treatment types.
Look at your menu. Look at your risks. Then choose the policy that protects your craft the way you protect your clients.