Frequently Asked Questions

General Questions

How does program insurance work?

Purchasing through the BBI Program, you save money on insurance premiums because you are part of a group acquiring insurance directly from a carrier. Programs allow businesses and individuals of similar industries to buy the insurance in bulk from an insurer, resulting in lower individual premiums. You don't share coverage limits, just savings.We don't believe in waiting, so your insurance policy becomes effective immediately after your payment online is verified. The verification process takes only seconds. You can print your insurance certificate immediately after purchasing, and if you need to add additional insureds, you can do that right away too.

We don't believe in waiting, so your insurance policy becomes effective immediately after your payment online is verified. The verification process takes only seconds, and voila! you have coverage! You can print your insurance certificate immediately after purchasing, and if you need to add additional insureds, you can do that right away too, for no extra cost.

Yes, your effective policy date can be up to 30 days past your purchase date.

An additional insured is a person or organization (not an employee or friend) that is added to your insurance policy by endorsement. This is a common request.

When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured.

In other words, if someone slipped in your booth and broke their arm, the injured person could sue you and the venue. Since the venue is added as an additional insured, your insurance policy would protect both you and the venue in the suit.

Yes. Just log into your account on the website, and you will be able to print off your certificates within minutes.

Yes, there is a small cost to add additional insured, with three options to choose from. For $10, you can add one additional insured, or for $20, you can add two additional insured. For $25, you can add an unlimited amount of additional insured as needed. All options allow you to send the additional insured certificates. To purchase additional insureds, log back into your account and under the policy screen click on add additional insured button.

A deductible is the amount of the loss that is your responsibility. For example, if you have a theft claim of $750 dollars, you will be responsible for $250 dollars of that claim. The insurance company will pay you $500 dollars. Remember that with the ACT policy there is no liability deductible!

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Beauty & Bodywork Insurance Questions

How long is my policy coverage?

BBI policies are annual, so your policy will provide you coverage for 12 months from the effective date you select. You will also see the effective and expiration dates listed on your policy proof of insurance document, which is accessible from your online account.

Renewal Questions

Does my policy automatically renew?

No, your policy does not automatically renew.