Affordable Insurance Designed for Bodywork Professionals
A+ Rated Insurance CarrierBuy a Policy Online
One Policy for Multiple Services
Licensed in All 50 States
Trusted by over 57,000 Bodywork Professionals
A+ Rated Insurance Carrier
Buy a Policy Online
One Policy for Multiple Services
Licensed in All 50 States
Trusted by over 57,000 Bodywork Professionals
Who Do We Cover?
Who Is Beauty and Bodywork Insurance?
We’re The Insurance Company Over 50k Professionals Trust
Since day one, our focus has been on you: the beauty and bodywork professionals.
Beauty & Bodywork Insurance (BBI) brings you quality coverage without the hassle of a membership or the added fees of working with an agent. Our policies, prices, and purchasing process are designed to meet your professional needs.
We tailor our programs to match industry standards, while still allowing you to customize your coverage. Within minutes you can buy a policy online that fulfills insurance requirements, covers common claims, and offers you peace of mind—all without breaking the bank.
Policies & Pricing
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
From $349/year
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
From $96/year
Program Benefits
Instant Certificate of Insurance
Nationwide coverage
Fast online purchasing
Coverage for mobile services
No deductible for liability claims
No membership fees
Accidents Can Cost You
But they don’t have to. Beauty & Bodywork Insurance coverage gives you the peace of mind your beauty work gives clients. We protect you while you focus on making clients feel like their best selves. Get covered instantly.
But they don’t have to. Beauty & Bodywork Insurance coverage gives you the peace of mind your beauty work gives clients. We protect you while you focus on making clients feel like their best selves. Get covered instantly.
Coverage Details
General Liability Insurance
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.
Professional Liability Insurance
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.
Tools & Supplies Coverage
Yearly Policy Limit: $2,000 (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!
Additional Insureds
$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
Liability Insurance designed for Massage Therapists, Estheticians, Cosmetologists, Nail Technicians, Face/Body Painters, and more!
Massage Insurance
As a massage therapist, you have been trained in the best techniques and practices that will improve the well-being of your clients.
Just as important, however, is to look after yourself and your business. One mistake, whether it is someone slipping in your space or a client getting hurt while getting off a table, could cost you thousands of dollars.
Having a Beauty and Bodywork Insurance policy means you can have peace of mind as you go about your work.
Cosmetology Insurance
Many people around the world seek people who can help them look their best. This is where you come in.
As a trained cosmetologist, you specialize in helping people look good and feel great. One of the best ways for you to feel great, at least about your career, is to have liability coverage to protect you from the unexpected things that can cause you financial harm.
BBI allows you to use your knowledge to help others feel good while giving you assurance that if something does go wrong, you have insurance to help you.
Esthetician Insurance
Every day estheticians work with products and instruments that make their job easier, but also have the capacity to injure clients.
If you were working with a client and such an injury occurred, treatment could cost thousands of dollars, and the injured person might come back to you and demand money to pay the bills.
Even if there is only a slight chance of an event like this happening, having an insurance policy with BBI, formerly known as the BWI Program, means you won’t have to panic.
Do I Need To Buy A Policy For Each Of The Methods Or Services I Provide?
Nope. One $96 policy is all you need, whether you are a massage therapist who also provides nail tech services or you are an esthetician who also does cosmetology. All you need is one policy to have the coverage you need.
Salon and spa owners do require a different policy that covers both you and your employees or independent technicians. This coverage starts at $349/year.
Don’t see your industry listed above? Visit our WHO QUALIFIES page for a list of all who qualify.
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 Company with BBI
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. I'm 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!
