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Aesthetics and beauty care
Insurance for aesthetics and beauty care professionals in Quebec
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Coverage tailored to your aesthetics and beauty care business
Every day in this field calls for precision, skill, and client trust. Behind the treatments is a business, often small, built with care and commitment.
Specialized services, professional equipment, and liability are part of your daily reality. Well-structured insurance becomes concrete support: it protects what you have built and lets you move forward with confidence.
The program, developed in collaboration with the Association des professionnels en électrolyse et soins esthétiques du Québec (APESEQ), offers coverage designed for aestheticians, beauty technicians, and professionals across the sector. It reflects the realities of the Quebec market and evolving industry practices.
A La Turquoise broker works with each professional by considering their services, equipment, and the actual size of their business. Coverage can be adjusted as new treatments are added, while respecting industry requirements and practical realities.
Do you work in an APESEQ member establishment? Exclusive discounts on your personal auto and home insurance are available to you as well.
A partnership between APESEQ and La Turquoise
La Turquoise developed, in partnership with the Association des professionnels en électrolyse et soins esthétiques du Québec (APESEQ), an insurance program offering coverage tailored to your industry.
Leaving the La Turquoise website
This link leads to the APESEQ website, a partner in this program. You will find more information about the association there.
Coverage included in the APESEQ program
See what the program covers- Commercial general liability: A client slips in the salon, or a visitor is hurt near the entrance. This coverage protects the business against bodily injury or property damage caused to a third-party during business activities.
- Professional liability: A client reports a skin reaction or poor results. This coverage protects the business against liability linked to the treatments and services provided. No deductible applies to commercial general liability.
- Tenant’s legal liability: Occupancy as a tenant exposes the business to liability for damage to the building. This coverage protects the tenant against such liability.
- Commercial property, equipment, and inventory: Treatment devices, furniture, and stock are covered against damage. If equipment fails or water damages the clinic repairs or replacement are covered.
- Loss of income: If a loss forces the temporary closure of a salon or clinic this coverage protects against lost income during the period of interruption.
- Money and securities coverage: Whether the loss stems from a dishonest employee or external theft the business is protected.
- Cybersecurity (optional): A cyberattack or ransomware can paralyze booking, payment, or management systems. This coverage pays recovery costs and civil liability in the event of a customer data breach.
- Insurance and legal assistance: Access to legal advice to answer legal questions or assist in a dispute related to the business.
- Actual cash value: Property is paid for at its value at the time of the incident with no deduction for depreciation.
- Guaranteed rates for 24 months: The premium is fixed for two years. No surprises at renewal even if the circumstances change.
- Personal auto and home insurance program: Members also have access to competitive rates for auto and home insurance under the same program.
What the APESEQ program means for you
Discover member benefits- Competitive rates negotiated collectively: the program was developed in collaboration with APESEQ. The group gains more power to buy than an individual when dealing with an insurer.
- Zero brokerage fees, zero financing fees: the listed cost is the actual cost. No surprises at signing. Monthly payments are available interest-free.
- Coverage tailored to beauty professionals: no need to search for endorsements or negotiate add-ons. Risks specific to the industry are covered as standard.
- A single policy to cover everything: commercial property, civil liability, professional liability, and legal assistance in one program.
- No coinsurance clause: compensation is paid at the actual value of the property with no reduction for underinsurance. This feature is rare in standard commercial programs.
- A single deductible per loss: even if a single event affects multiple policies, only one deductible applies.
- Preferential rates for graduates and certified professionals: recognized training is directly reflected in the premium. APESEQ-certified members benefit from the most favorable terms.
- Direct access to a specialized broker: La Turquoise, a firm that understands the sector, manages each file, and works for members, not for the insurer.
- A program supported by the association: the agreement between APESEQ and La Turquoise has been in place for many years. Members benefit from a program that evolves with the realities of the industry.
Eligible programs
Académie BEL Formation
- Manicure
- Aesthetic foot care
- Nail application
Académie Bad girl/Salon Bad Girl
- Nail application
- Classic eyelash extension
- Volume eyelash extension
- Eyelash enhancement
Académie Clinique MicroCapillaire Inc.
- Hair Micropigmentatio
Académie Conceptuelle
- Non-medical podiatric care
- Aesthetic
Académie Dectro Montréal
- Microdermabrasion
- Photoepilation
- Photorejuvenation
- Non-medical thermocoagulation
- Technorejuvenation
- Aesthetic
- Electrolysis
- Waxing
- Cosmetology
- Makeup
- Manicure
Académie Dectro Québec
- Photoepilation
- Photorejuvenation
- Non-medical thermocoagulation
- Technorejuvenation
- Aesthetic
- Electrolysis
- Waxing
- Cosmetology
- Makeup
- Manicure
Académie EB
- Permanent makeup
- Microblading
- Eyelash Enhancement
- Non-medical mesotherapy
- Hair Micropigmentatio
Académie K par K
- Aesthetic
- Photorejuvenation
- Photoepilation
Académie Karine Dupuis
- Nail applications
Académie NovaDerme
- Photoepilation
Académie beauté par Véro/Beauty by Vero
- Microblading
Académie d'esthétique avancée
- Photoepilation
- Facial care
- Aesthetic
- Aesthetic foot care
- Waxing
- Manicure
- Microdermabrasion
- Peeling
Académie de maquillage permanent Johanne Bérubé
- Permanent Makeup
- Microblading
- Hair Micropigmentatio
Académie/Onglerie Dynastie
- Nail applications
Académie Avasari
- Eyelash enhancement
Beauté Laser Ladouceur
- Electrolysis
- Photorejuvenation
- Photoepilation
- Aesthetic
- Microdermabrasion
- Non-medical mesotherapy
- Peeling
- Non-medical thermocoagulation
- Technorejuvenation
Centre de formation Phénix
- Photoepilation
- Photorejuvenation
- Technorejuvenation
Centre de formation professionnelle d'électrolyse et d'esthétique
- Electrolysis
- Aesthetic
- Non-medical thermocoagulation
- Waxing
- Facial care
- Manicure
- Photoepilation
- Permanent makeup
- Non-medical pidoatric care
- Nail applications
- Aesthetic foot care
Centre de formation Mesdames Messieurs
- Photoepilation
Centre de formations laser, électrolyse N.T.
- Electrolysis
- Photoepilation
Collège laser Synergie
- Non-medical mesotherapy
- Microdermabrasion
- Peeling
- Photoepilation
- Photorejuvenation
- Technorejuvenation
Espace Beauté Académie
- Eyelash extension
- Eyelash enhancement
Espace Inter Beauté formations
- Aesthetic
- Photoepilation
- Eyelash Enhancement
- Non-medical Mesotherapy
- Microdermabrasion
- Peeling
- Aesthetic foot care
- Manicure
- Nail application
Flair Insider Académie
- Classic Eyelash Extension
- Volume eyelash extension
- Eyelash enhancement
Formation Esthétique Lynda Labrecque
- Non-medicalhermocoagulation
- Waxing
- Hair removal with sugar paste
Halte 21
- Classic eyelash extension
- Microblading
- Eyelash enhancement
Institut de formation Girly nails
- Nail application
L'Atelier Privé Académie
- Classic Eyelash Extension
- Volume Eyelash Extension
- Nail application
- Eyelash enhancement
La Station Beauté
- Aesthetic
- Electrolysis
- Eyelash Enhancement
- Permanent Makeup
- Non-medical mesotherapy
- Microblading
- Hair Micropigmentatio
- Photoepilation
- Eyelash enhacenemtn
La Station Beauté Québec
- Classic eyelash extension
- Volume eyelash extension
- Eyelash enhancement
- Microblading
- Hair Micropigmentatio
- Permanent makeup
- Non-medical mesotherapy
- Photoepilation
Le Mouton Rose Académie
- Eyelash enhancement
Maquillage permanent phoenix (Stella-Rose)
- Pedicure
- Permanent makeup
Rouge Vernis
- Nail application
Queen Franny
- Nail application
- Eyelash extension
École d'Esthétique Professionnelle Nancy Fortier
- Electrolysis
- Facial
- Waxing
- Laser hair removal
- Nail application
- Cosmetology
- Body treatments
- Foot care
- Manicure
École professionnelle d'esthétique et d'électrolyse
- Microdermabrasion
- Thermocoagulation non médicale
Académie de soins 5 dimensions
- Aesthetic
- Facial Care
- Non-medical Mesotherapy
- Waxing
- Athetic foot care
- Microdermabrasion
- Eyelash extension
- Eyelash enhancement
Académie Andabella Montréal
- Eyelash extension
Institut de formation DC S.E.N.C
- Eyelash extension
École d'esthétique et d'électrolyse France Laure
- Aesthetic
- Electrolysis
- Hair Micropigmentatio
- Photoepilation (IPL)
- Technorejuvenation
- Non-medical hermocoagulation
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Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
Contact us for a quote
Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyses driving habits and adjusts the premium accordingly.
Recommended coverages
The plan covers professional liability and civil liability. Extra coverage may be available to supplement the policy depending on the situation.
Cyber risk insurance
Client files, meeting notes, or payment data are kept. A data breach could lead to liability. Cyber insurance covers recovery costs, loss of income, and regulatory fines in the event of a cyber incident.
Learn more about cyber insurance- A virus causes the leakage of confidential client information.
- A hack exposes health data stored in the system.
- An email sent to the wrong recipient exposes personal information.
Professional contents and property
Work gear is a large cost. This coverage shields gear in the event of harm from a covered loss
- A flood damages a massage table and office furniture.
- A fire destroys therapeutic equipment and inventory.
- Water damage affects devices in a practice space.
Equipment breakdown
Some therapeutic devices are expensive to repair or replace. This coverage protects against sudden and accidental breakdown of electrical or mechanical equipment.
- An electrical overload damages a light therapy device.
- A mechanical breakdown renders neurofeedback equipment inoperable.A sudden failure of a laser therapy device requires immediate replacement.
Welcome to ProtecPro
APESEQ is one of our flagship programs, which is our program division
- Speed: Distributed online only, the program lets users get a quote fast while having access to advice from the dedicated team.
- Tailored coverage: An insurance program tailored to the requirements of various industry associations and regulatory bodies.
- Competitive rates: Competitive pricing for self-employed professionals and salon owners.
- Peace of mind: The brokers’ experience ensures the best coverage for a practice.
- Specialized service: Support is provided in the event of a claim and through every new stage of a business.
Questions about insurance for aesthetics and beauty treatments
Work in aesthetics often raises questions about insurance, such as legal duties, kinds of coverage, gear protection, and professional liability.
This section gathers answers to common questions to help readers understand coverage choices and decide which ones fit their needs.It aims to guide decisions by considering field norms and the Quebec context.
Professional liability insurance is not always legally required. However, it is strongly recommended for any aesthetician or beauty care professional offering services to clients.
This insurance covers the financial results of an error, incident, or alleged harm occurring during treatment. It is often required by professional associations, property owners, or business partners.
Commercial general liability covers property damage or bodily injury caused to third parties. This may include an accident occurring in the salon or damage caused to a client’s property.
Professional liability covers results linked to professional acts. It applies when a treatment, procedure, or service is questioned by a client.
Both types of coverage are complementary and essential in the field of aesthetics and beauty care.
Yes. Even when a professional works from home or mobile aestheticians, risks remain.
Professional insurance covers the services provided. Appropriate coverage may be required for transported equipment and civil liability related to travel.
The cost varies depending on several factors. The type of services offered, the value of the equipment, revenue, and the business structure all influence the premium.
However, the program in collaboration with APESEQ provides members with access to competitive rates. Coverage is tailored to the specific needs of each business.
Some coverages are not always a priority at the start but become more important as the business grows.
Equipment insurance, loss of income, or legal assistance often become essential. This happens when services diversify, the client base grows, or the value of insured assets rises.
Depending on the situation coverage against cyber risks may also be relevant. This is the case when there are digital client records or online payment systems. The broker’s role is to assess these needs at the right time based on the actual evolution of the practice. The broker should not rely on a one-size-fits-all model.
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