Insurance Endorsements
Insurance endorsements alter an original insurance policy. They are add-ons that usually add or expand coverages, restrict coverages, or increase coverage limits. In short, insurance endorsements allow you to fine-tune your policy to better fit your business.
What Is an Insurance Endorsement?
An insurance endorsement is a form you can add to your policy to change or update your coverage.
When & Why Would I Need an Insurance Endorsement?
Endorsements are what allow you to tailor your insurance coverage to fit your specific needs. One way they do that is by extending your base policy to cover an additional modality, ensuring your menu of services is protected.
For example, cupping is not covered under a basic massage insurance policy. If you’re a massage therapist who wants to expand your services to include cupping, you’d need a cupping endorsement to be fully covered.
Here are some more examples of when you may need an insurance endorsement:
- You move and your new state licensing board has additional insurance requirements
- You want coverage for your new massage table and other equipment
- You process and store client payment information digitally and want protection in case your apps are hacked
- You expand your business and want to hire another stylist as an independent contractor
By updating your policy with endorsements, you can protect yourself from unexpected financial setbacks caused by coverage gaps .
What Endorsements Does BBI Offer?
BBI offers a wide range of optional endorsements that allow you to customize your policy to suit your business needs. You can add one, none, or all of these to your base general liability coverage:
Additional Insureds
An additional insured is another business entity (like a venue or property owner) that you add to your insurance so they’re also covered on your policy in case they’re named in a lawsuit.
Cupping
This endorsement is for those who offer cupping treatments. BBI covers single-step, manual suction procedures that use only dry silicone cups. It does not cover wet cupping, flammable cupping, or other types of invasive cupping.
Cyber Liability
Cyber liability coverage provides financial protection from the costs of cyber attacks and data breaches targeting client and payment information.
Fitness Trainer
This endorsement covers you if you expand your services to offer fitness and exercise instruction. This includes aerobics, CrossFit, dance, yoga, personal training, and more.
Microcurrent
BBI’s microcurrent endorsement approves the use of handheld devices under 500 microamps. However, practitioners are not allowed to perform these services on cancer patients, those with implanted devices like pacemakers, pregnant clients, or anyone subject to seizures.
Salon & Spa Owner
The salon owner and spa owner endorsement covers employees or independent contractors who rent a booth, studio, or similar workspace from you. Coverage rates are based on the number of booths instead of the number of employees, meaning you can save costs on your overall headcount.
Sexual Abuse & Molestation Insurance
This SAM endorsement provides coverage to help pay for sexual misconduct-related claims, including attorney fees, defense costs, and judgments.
Tools & Supplies Coverage
This endorsement pays to repair or replace your tools and supplies so you don’t have to pay out of pocket to get up and running again. This coverage applies to things you use for business that are not permanently installed in your workspace.
How Much Do Insurance Endorsements Cost?
Since endorsements typically add coverage to your policy, they also include an additional fee. The exact cost of each one depends on the endorsement you choose.
- Cupping: +$2.92/month
- Microcurrent: +$2.92/month
- Cyber liability: +$6.58/month
- Fitness trainer: +$2.75/month
- Salon or spa owner $31.08-$66.58/month
- Tools and supplies: +$2-$5.50/month
- SAM coverage (individuals): +$4.92-$14.04/month
How Do I Add an Endorsement to My Policy?
- Log in to your customer dashboard
- Navigate to the “Change Policy Options” button
- Select the endorsement(s) you wish to add from the menu (the price of each endorsement is listed next to the option)
- Check out, pay, and get immediate coverage!
- Fill out the basic BBI application
- As you go through the checkout process, you’ll be prompted to add or decline additional coverage endorsements
- Click the “add” option where available; note the price of each endorsement next to the option as well.
- Finish your application and pay online to get immediate coverage!
If you need help or have any questions, feel free to call us at 877.536.7290!
Experience You Can Trust
BBI is trusted by over 63,000+ beauty and bodywork professionals across 30 industries. See why they’re happy with coverage—and how to join them.
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!
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.