Hands On Trade Association

Name: Hands On Trade Association: pricing, terms and score
Item: Hands On Trade Association
Rating: 2.9

Membership association selling liability insurance to estheticians and other touch professionals

2.9/5 · How we score · Last checked Oct 1, 2026

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Score breakdown

11 of 19 checks passed. The score counts what Hands On Trade Association publishes, not how well it performs.

2.9/5

Pricing transparency3.8

Terms and commitment1.7

Med spa fit2.5

Proof and track record2.0

Support and onboarding5.0

Show all 19 checks

Pricing transparency · 3/4

✓Publishes a pricesource
✓States how it chargessource
–States setup or onboarding feesnot found
✓Lists what each plan or package includessource

Terms and commitment · 1/3

–States the minimum termnot found
✓Publishes cancellation or return termssource
–Offers a free trial, demo, audit or consultationnot found

Med spa fit · 2/4

✓Has a page for this industrysource
–Names this industry as its only or a core marketnot found
–Shows a named client or case study in this industrynot found
✓Lists services or features built for this industrysource

Proof and track record · 2/5

–Publishes a case study with a stated resultnot found
✓Names its leadership or teamsource
✓Publishes its founding yearsource
–Has a third-party review profile with 10 or more reviewsnot found
–Names clientsnot found

Support and onboarding · 3/3

✓Lists how to reach supportsource
✓States support hourssource
✓Describes onboardingsource

In one line

Publishes its annual prices, office hours, exclusions and a no-refund policy; it has no med spa page and does not cover PRP microneedling.

About Hands On Trade Association

Hands On Trade Association is a membership association in Spokane, Washington, established in 2000 and directed by its owner, Judi Calvert. Membership includes professional and general liability insurance, with esthetician coverage listed at $190 per year and microneedling coverage at $240 yearly.

Sign-up is online only and the site says coverage is instant, with the certificate sent by email. The refund policy states that no refunds are offered.

Who it is for

An independent licensed esthetician who wants an annual liability policy bought online, including for microneedling or laser hair removal.

Pricing

Esthetician, makeup artist and cosmetologist coverageGeneral professional liability (malpractice) · General liability (slip-and-fall): $190/yr
Microneedling standard liability insuranceMicroneedling methods listed on the site · Requires an active cosmetologist or esthetician license: $240/yr

Setup fee: Not published
Extra costs: Not published
Minimum term: Not published
Cancellation: No refunds; premiums are 100% minimum earned source

Prices as published on Oct 1, 2026. Confirm current rates with Hands On Trade Association.

Services

Professional liability insuranceGeneral liability insuranceMicroneedling insurance

Built for med spas

Esthetician liability insurance covering chemical peels and laser hair removal (licensed esthetician only)Microneedling coverage, including radiofrequency microneedlingPRP microneedling is excluded

What it publishes and what it doesn't

On its website

✓ Publishes a price
✓ States how it charges
✓ Lists what each plan or package includes
✓ Publishes cancellation or return terms
✓ Has a page for this industry
✓ Lists services or features built for this industry
✓ Names its leadership or team
✓ Publishes its founding year
✓ Lists how to reach support
✓ States support hours
✓ Describes onboarding

Not found on its website

– States setup or onboarding fees
– States the minimum term
– Offers a free trial, demo, audit or consultation
– Names this industry as its only or a core market
– Shows a named client or case study in this industry
– Publishes a case study with a stated result
– Has a third-party review profile with 10 or more reviews
– Names clients

Sources

Every fact on this page was read on these pages on the date shown.