Medical Expense Limit
Whether it’s your fault or not, maintain client trust and get essential coverage for minor third-party injuries at your beauty or bodywork business.
What Is Medical Expense Insurance?
Medical expense limit insurance is a type of coverage that pays for medical bills if someone is injured at your business location or during your services — regardless of who’s responsible.
How This Coverage Helps Your Business
Accidents happen — even when you do everything right. If a client trips or has a minor reaction during a service, medical expense limit insurance from Beauty & Bodywork Insurance (BBI) kicks in to cover medical bills quickly without going through a full liability investigation.
It helps protect your business’ reputation and avoid a long, expensive claims process.
What Does Medical Expense Limit Cover?
This coverage is designed to pay for reasonable medical costs when someone is hurt in connection with your services.
For example:
- Minor burns from wax or hot stones
- Slip-and-fall accidents in your workspace
- Muscle strain or soreness after a massage
- Skin irritation from a product during a facial
- Accidental nicks or cuts during a haircut
It can cover:
- Urgent care visits
- First aid treatment
- Prescription medications
- Loss of income
- Funeral expenses
- Other medical bills
What Does It Not Cover?
Medical expense limit coverage doesn’t apply to major injuries, ongoing care, or lawsuits. It also doesn’t cover injuries you sustain yourself — it’s just meant for third parties (usually clients).
Who Needs Medical Expense Limit Coverage?
Every beauty or bodywork professional needs this coverage. The good news? It comes standard in your base insurance policy for massage therapy, esthetics, cosmetology, nail services, salons, or spas.
What Are Some Common Claims?
With BBI, you have quick help with beauty or bodywork blunders like these, so you can get back to business.
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
How Much Does Medical Expense Limit Coverage Cost?
Medical expense coverage is automatically included in your BBI policy, which costs from $9.99 a month or $96 a year. It offers $5,000 in coverage per person.
How Do I Buy Medical Expense Limit Coverage?
Get coverage for small slip-ups in just a few minutes with BBI.
- Click “Buy Now” to start your purchase
- Select the services you offer
Tell us about your business - Review your coverage (medical expense coverage comes standard!)
- Pay and receive instant proof of insurance with your certificate of insurance (COI)
What Other Coverages Do I Need?
BBI’s base policy combines general and professional liability insurance to protect you from common claims in your industry. Medical expense coverage is part of your general liability coverage.
These are the coverages we recommend for beauty and bodywork pros:
- General liability insurance for general third-party liability claims
- Professional liability insurance for service-related mishaps
- Tools and supplies coverage for your movable business property
- Cyber liability insurance for data breach coverage
- Endorsements for specialized services (like cupping or microcurrent facials)
Learn more about BBI coverage details.
Why BBI for Medical Expense Limit
When you choose BBI, you get medical expense coverage included automatically with your policy — no hidden fees! We specialize in protecting your industry and make it easy to get coverage online in minutes.
Get peace of mind to help clients look and feel their best and work with confidence.
Check Out BBI Reviews
Our policyholders say it best.
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!
FAQs About Medical Expense Limits
How Is the Medical Expense Limit Different From Other Liability Coverage?
The medical expense limit is a small, no-fault portion of your general liability coverage. It’s designed to quickly pay for minor medical costs (like a small cut or skin reaction) without needing to prove who is at fault.
Other liability coverage, like general or professional liability, usually requires an investigation and is intended for larger claims or lawsuits.
Why Should Beauty and Bodywork Professionals Care About the Medical Expense Limit?
You work closely with clients and offer hands-on services, which carry an inherent risk of minor accidents or injuries. This coverage helps you resolve those situations quickly and professionally without escalating into bigger legal battles.
It’s a simple, smart way to protect your client relationships in case something goes wrong.
Does the Medical Expense Limit Cover Medical Expenses for My Clients?
Yes, this coverage is designed to pay for your clients’ medical bills if they’re accidentally injured during service. It’s essential for helping them feel cared for and keeping your business moving smoothly!
Chris Van Leeuwen | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.