Coverage Details

What do you get for $99?

We believe there are three main reasons you are looking for insurance, and BWI fits into the solution for each one:

  • Peace of Mind: Everyone wants their client to enjoy their experience using their services, but sometimes accidents happen. Unhappy, injured, and distraught customers can bring lawsuits against the person who provided the service. Such lawsuits can be costly, particularly for small businesses and individuals who work for themselves. With the BWI Program, we give our customers peace of mind that they will have support if they are sued.
  • State & Local Regulations/Requirements: Most states have licensing requirements for many different beauty and health industries. Usually, one requirement to keep a license is that the licensee must be insured for a certain amount of liability coverage. We have done our research and the BWI policy fulfills the requirements for most states. Why pay more for insurance when you can get it for $99 and be fully covered?
  • Employer Requirements: Many of our customers are individuals working by renting a space or a booth from a salon or other company. Usually this means that the salon or other employer will require the individual to have their own insurance coverage in order to begin working. With our easy online process, you can be ready to start work in as little as 10 minutes! Just complete the application, pay the affordable $99 premium online, and you are instantly covered, with peace of mind and quality insurance.

With BWI you don't have to worry about shared limits. This insurance policy will be yours, and no other insured will affect how much coverage you have available. The policy has been carefully designed to give you the protection you need so you can practice your trade with peace of mind.

Bodywork Insurance Policy Coverage Limits:

General & Professional Liability Coverage
General & Professional Aggregate Limit $3,000,000
Products-Completed Operations Aggregate Limit $3,000,000
Personal and Advertising Injury Limit Included
General & Professional Each Occurrence Limit $2,000,000
Damage to Premises Rented to You Limit $300,000
Property Coverage
Inland Marine/Business Personal Property Limit $2,000
Deductible $150
Identity Recovery Coverage
Identity Coverage Limit $15,000
Deductible $250
**Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.