We get it—no one buys insurance for the excitement of it all. Maybe you just need coverage to fulfill your licensing requirement or you’re looking for a bare-bones policy for those rare “what if” situations.
Regardless of the reason, if you’re in the market for insurance, Beauty and Bodywork Insurance is the safest bet for protecting your business, your clients, and your personal assets when you work as a:
- Cosmetologist
- Hairstylist
- Barber
- Massage therapist
- Nail tech
- Esthetician
- Acupuncturist
- Face and body painter
- And more!
Our policies also come with a few benefits the casual insurance customer might not be aware of! Let’s take a look at a few of the reasons why BBI might be the right fit for you.
Affordability
This is the big one. BBI is proud to offer the most coverage available for the price. Get millions of dollars in general and professional liability coverage for dozens of different modalities (a fancy word for different types of professionals we insure, like cosmetologists, massage therapists, body workers, and a slew of related service providers) for only $96 per year.
Don’t want to commit? No problem! With our new monthly pricing you can get the same great coverage for just $9.99 a month. Sign up anytime, we’ve got you covered.
24/7 Online Access
Becoming a BBI client means having access to your policy on your terms—all the time. When you sign up, you’ll create an account with a custom dashboard you can access from anywhere. You’ll have access to your policy’s inclusions and exclusions, as well as things like your certificate of insurance (COI), list of additional insureds, and payment options. You can also manage your account at any time by changing your coverages, adding additional insureds, increasing your limits, and more.All-inclusive coverage
Instead of making you try to figure out what types of coverage you need, we bundled the essential coverages into BBI’s base policy. Should you want more coverage, need to add third parties as additional insureds, or want optional coverage for your tools and equipment, you can get that there too. We’re proud of our suite of coverage and the value it brings our clients. Look to BBI for things like:- Up to $3 million in general liability coverage annually (up to $2 million per occurrence). If you’re named in a claim for something that happened to one of your clients during your normal course of business, it can help protect your personal assets.
- Up to $3 million in products & completed operations coverage is included in your base policy. This type of coverage can protect you against claims made if your clients are harmed by a product you use in the course of your regular business, or by services you perform.
- BBI may also pay up to $5,000 to anyone injured by your services regardless of your liability through our Medical Expense policy. Quick payouts like this can protect your reputation and your clients when they need it most.
- If you accidentally cause any damage to premises rented to you for business purposes for less than 7 days, your BBI policy may cover up to $300,000 in fees.
- Personal and advertising injury coverage is automatically included in your BBI policy. This can protect you if you get sued for false advertising, slander, or libel, or accidentally violate the copyright or trademark rights of another business.
No Shared Limits
Some of our competitors offer policies with something called “shared aggregate limits.” This means that you are sharing a single pot of money with hundreds (and sometimes thousands) of other people. Once that money is exhausted, the insurance company won’t pay out any more during that policy year.
In other words, if all the policyholders share a $10 million aggregate and too many people file claims and that aggregate is spent, you’re out of luck for any of your own claims and you’ll have to pay all of it on your own.
BBI believes you pay good money to have insurance coverage when or if you need it, which is why we never offer shared limits with our policies. The coverage limits stated in your policy are all yours, guaranteed.
You’re Covered Wherever You Go
There are times when you might travel for work or perform mobile services. When you do, you can rest assured that BBI has your back. Your policy travels with you throughout the U.S. and Canada at no extra cost. Examples include:
- Massage therapist insurance that covers you on client house calls
- A hair stylist that works part-time from a home salon and part-time as renting a booth wanting cosmetologist insurance that covers them in both places
- Nail tech insurance that covers you when providing mobile pedicures or manicures at a retirement center
- Face painting liability insurance that covers you at a series of county and city summer street fairs
- Barber’s insurance for a weekend trip to a trade show in another city
And so on – it’s always the same policy no matter where you go!
Add Additional Insureds in a Flash
Additional insureds (AI’s) are third parties that also benefit from your insurance policy if they are named in a suit against you. For example, people like your boss or landlord might require you to list them as additional insureds as part of your employment or rental contract, and even certain events like trade shows, conventions, film shoots, etc., might require you to list them as AI’s.
With BBI, you can add additional insureds to your policy quickly and easily from your client dashboard. A single additional insured costs $15 or you can sign up for unlimited AI’s for only $30.
Optional Tools & Supplies Coverage
You depend on your tools day in and day out to give your clients the best outcomes—and quality tools aren’t cheap. BBI offers optional Tools and Supplies coverage (also known as inland marine coverage) in case your mission-critical tools are damaged, lost, or stolen in the course of regular business.
For a mere $16 a year, you can add up to $2,000 of coverage to your policy and protect your professional investment in tools, supplies, inventory, and more.
Best-in-class customer service
Every company says they have great customer service, we’re the only ones who can say we have the best. We have a customer satisfaction score of 95%, meaning the vast majority of our clients come away from a call with our customer service representatives as satisfied as possible. Meanwhile our closest competitor’s score is only 74.
Our customer service interactions aren’t handled by robots or AI—instead, you’ll be able to speak directly with professional, licensed agents who are ready to provide you with the help you need.
Frequently Asked Questions (FAQs)
Why Do I Need Beauty Insurance?
Beauty insurance can protect you if a client claims they were harmed from a service you provided, a landlord sues you for damage to a space you rent, or a third party trips and falls over your equipment and sues you for medical expenses. Claims like these can rise into the tens of thousands of dollars, which makes beauty insurance an absolute necessity.
Is Beauty and Bodywork Insurance Legit?
Beauty and Bodywork Insurance is as legit as they come! BBI has a 95% customer service rating and is backed by Great American Insurance Group—a 150 year-old insurance carrier— and already insures over 60,000 beauty and bodywork professionals.
How Does Cosmetic Insurance Work?
If one of your clients is accidentally injured by your services, a product you use, or within your professional space, and then files a claim against you, cosmetic insurance will pay any resulting damages when your claim is approved. BBI’s cosmetic insurance includes general and professional liability coverage with an aggregate limit of $3 million.
Bottom Line
Beauty and bodywork insurance can feel like something standing in your way, but we hope that learning a few of the perks offered by BBI can help you see insurance for what we think it is—a partnership dedicated to keeping your business and your clients safe.
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