Insurance You Can Count On
Affordable Coverage for Beauty and Bodywork Professionals
Starting at $9.99/month or $96/year
Starting at $9.99/month, or $96/year.
Curious about costs? Check out our cost breakdown.
From massage therapists to cosmetologists to estheticians and more — we protect over 63,000+ beauty and bodywork professionals like you with the coverage* you need.
*Coverage for all of your services under one policy everywhere you work!
Who Do We Cover?
We’ve got you. Visit our Who Qualifies page for the full list of covered professions.
Yes, we cover your state. Are you a massage therapist? We check the boxes for your state requirements — see for yourself!
Our Coverage Is Made for You
Salon & Spa Owner Policy
Day Spas, Franchises, & Nail Studios
General & Professional Liability
Coverage for you + your employees
and independent contractors
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
Premium based on number of stations
Designed for salon and spa owners who want to insure multiple stations
From $31.08/month
AGENT RECOMMENDED
Beauty & Bodywork Professional Policy
Individual technician coverage
One policy covers 250+ methods & services
General & Professional Liability
($3 million per year/$2 million per claim)
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
Designed for individual beauty and bodywork professionals
From $9.99/month
Program Benefits
Nationwide coverage
Fast online purchasing
Coverage for mobile services
No deductible for liability claims
No membership fees
Breathe Easy
We get it. Accidents happen, but with Beauty and Bodywork Insurance, you’re not alone. While you’re out there caring for your clients, we’ll be here, keeping you protected.
We get it. Accidents happen, but with Beauty and Bodywork Insurance, you’re not alone. While you’re out there caring for your clients, we’ll be here, keeping you protected.
Coverage Details
Yearly Policy Limit: $3 million (included)
Designed for slips, trips, and falls, general liability insurance helps you pay for on-site accidents caused by your business operations.
Yearly Policy Limit: $3 million (included)
Lower or eliminate the cost of medical bills, legal fees, or repair costs caused by your services with professional liability insurance.
Yearly Policy Limit: $2,000 – $10,000 (optional)
Insuring your equipment means you don’t have to pay out-of-pocket to repair or replace stolen or damaged items. This includes dryers, tables, warmers, chairs, kits and sets, bowls, lights, specialty tools, and more!
$15 per additional insured (optional)
$30 unlimited additional insureds (optional)
A company you work for may require you to add them to your policy as an additional insured. This helps to protect them from accidents caused on your behalf.
Most Popular Insurance Plans
Massage Insurance
As a massage therapist, you’re dedicated to providing a safe, relaxing experience for your clients. You’ve got a lot on your plate. Let us help you with comprehensive coverage that protects your business.
Beauty and Bodywork Insurance gives you the peace of mind to focus on your craft.
Cosmetology Insurance
Every day, you help your clients transform into their best selves. You put a lot of hard work into your cosmetology business, but accidents can always happen.
That’s why Beauty and Bodywork Insurance is here for you. With us by your side, you can focus on doing what you love. We’ve got you covered.
Esthetician Insurance
We know how hard you’ve worked to become a skilled esthetician. From spa facials to spray tanning, your services help clients achieve their best skin yet.
With Beauty and Bodywork Insurance in your corner, you have peace of mind to work confidently—no matter what risks may come.
Do I Need To Buy A Policy For Each Of The Methods Or Services I Provide?
We don’t believe in complicated insurance. That’s why we offer one $96-year policy (or $9.99 a month!) that checks all the boxes. A single policy is all you need to cover your beauty and bodywork services.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
You're in good hands.
Here’s what other people have to say about their experience.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
Who Is Beauty and Bodywork Insurance?
We’re Your Friends in the Insurance World
We’ve always had one mission: to take care of you, the beauty and bodywork professionals.
At Beauty and Bodywork Insurance (BBI), we’re all about top-tier coverage without all the hassle. We create our policies with you in mind. That’s why they’re easy to buy, customizable, and tailored to your industry needs.
Over 62k professionals like you trust us to take care of their businesses. So go ahead, relax—we’re here for you every step of the way.
