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What are Beauty Insurance Claims Examples?

Whether you’re looking to get insurance because it’s required or you’re worried about the risks that come with being a beauty professional, you want to make sure your insurance works when you need it most – if you ever need to file a claim. Here are a few instances we’ve supported and helped professionals like you in their time of need.

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Claims Other Beauty Professionals Have Filed with BBI*

Claim Amount: $118,121 Lasting damage from a massage gone wrong Eric is a licensed massage therapist with decades of experience under his belt. He prides himself on helping his clients find relief from pain, stress, and anxiety, and even specializes in multiple other massage skills to provide the best range of services possible. One of Eric’s longtime clients dealt with recurring pain in his lower back, and during one of their sessions, the client consented to trying a new deep tissue massage technique for which Eric had recently completed licensing.  Following the massage session, Eric’s client experienced persistent numbness in his legs, which negatively affected his mobility and overall quality of life. This condition greatly impacted his ability to perform daily activities, resulting in emotional distress and physical discomfort. Eric was horrified to learn that his client had suffered a damaged sciatic nerve due to the treatment, even though he had performed the deep tissue technique exactly as required. As a result, his client reached a settlement outside of court for compensation amounting to $118,121—an amount that would have ruined Eric’s practice if not for his policy.
Claim Amount: $20,000 Facial burns almost cost a salon owner big Zara’s Salon specializes in chemical peel treatment for skin rejuvenation (peeling off the outer layer of skin to reveal new skin underneath) leaving her clients feeling brand new.  Zara has performed these treatments hundreds, if not thousands, of times. From dry skin to oily skin to sensitive skin, she’s seen it all. But during what seemed like a routine session, unbeknownst to her, her client had particularly sensitive skin and the usual product strength Zara always used caused an adverse reaction.  Their skin negatively reacted to the chemical peel, resulting in severe burns and pain that lasted for days. Zara interpreted the client’s intake form as best she could and processed it accordingly. However, she was still liable for the damages and continued treatment to repair her client’s skin, which landed at $19,819.  Without the right coverage, Zara would have had to foot the bill herself! 
Claim Amount: $47,160 Waxing left a client with permanent facial scarring Clara is an esthetician who offers facial waxing as part of her typical range of services. One day, a client contacted Clara about a facial waxing service before a job interview in order to look his best. During the waxing procedure, Clara’s wax melter malfunctioned, causing her to apply the wax at an excessively high temperature. This led to severe burns on the client’s face, unfortunately resulting in permanent scarring. Distraught by the physical and emotional damage he suffered, Anthony decided to pursue legal action and gathered evidence like medical reports documenting the severity of his injuries, photographs showcasing the scarring, and witness testimonies from individuals present during the incident. It became evident that Clara hadn’t done her due diligence to ensure the wax was at a safe temperature before application. Eventually, both parties reached a settlement agreement for damages amounting to $47,160. Clara’s BBI policy helped Anthony treat his injuries quickly and reliably.
Claim Amount: $3,788 A simple slip costs a salon big time Javier recently took over ownership of his father’s barbershop. The building was old, but the barbershop had found recent success online and more and more clients had been making appointments over the past month—so many that they had to add two extra chairs to fit everyone in. On a particularly busy day at the shop, their regular delivery person tripped over one of the new chairs that hadn’t been properly secured to the floor yet, resulting in a sprained ankle and an injured wrist. Javier promptly helped the delivery person after the fall, providing first aid and calling for medical assistance to ensure his well-being. Furthermore, they documented the incident thoroughly for future reference. However, because the delivery person would not be able to work while his injuries healed, he decided to file a claim against the barbershop to seek compensation. After careful consideration of his medical bills, pain and suffering, lost wages, and other relevant expenses incurred due to the accident, the delivery person was entitled to receive $3,788 in damages. Thanks to his BBI policy, Javier was able to cover the damages without losing any profits.
Claim Amount: $252,770 Hair coloring gone wrong almost bankrupts a small business During a hair coloring appointment, Grace began to apply her typical amount of bleach to the coloring she was using. As her client sat, she mentioned that she was getting a burning sensation pain was getting worse and worse.  A few days later, it became apparent that her client suffered from scalp burns that required medical attention and later resulted in significant hair loss. As it turns out, Grace’s new salon purchased bleach in a significantly higher concentration than her previous workplace, and failed to tell Grace before she began the treatment. Grace's client decided to pursue legal action against the salon and won damages amounting to $252,770 for her medical expenses, emotional distress, and the cost of corrective treatments. BBI was there to support her in her time of need and help her client afford the treatments she needed
Claim Amount: $1,032 Eyelash extensions temporarily blind a client  Sarah always dreamed of having the best eyelash salon in town. After working and training for years, she finally saved enough to open her own shops and provide clients with the best experience available—the Sarah experience.  The first six months went great until one client came in for their first-ever eyelash extension procedure. During the procedure, the client began feeling a stinging sensation in their eyes, but didn't mention anything to Sarah because they thought it was just part of the treatment. Hours later, though, she experienced inflammation around her eyes which worsened overnight. She was diagnosed with severe eyelid inflammation (blepharitis) causing temporary visual impairment.  Sarah was devastated. An accident like this could not only damage her reputation but sink her business in its infancy. However, the client reached a $1,032 settlement with BBI to cover the costs of her medical treatment.  Sarah’s ability to handle it quickly and professionally helped protect her reputation and her pockets. 

*All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

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Claims Other Beauty Professionals Have Filed with BBI*
Claim Amount: $118,121 Lasting damage from a massage gone wrong Eric is a licensed massage therapist with decades of experience under his belt. He prides himself on helping his clients find relief from pain, stress, and anxiety, and even specializes in multiple other massage skills to provide the best range of services possible. One of Eric’s longtime clients dealt with recurring pain in his lower back, and during one of their sessions, the client consented to trying a new deep tissue massage technique for which Eric had recently completed licensing.  Following the massage session, Eric’s client experienced persistent numbness in his legs, which negatively affected his mobility and overall quality of life. This condition greatly impacted his ability to perform daily activities, resulting in emotional distress and physical discomfort. Eric was horrified to learn that his client had suffered a damaged sciatic nerve due to the treatment, even though he had performed the deep tissue technique exactly as required. As a result, his client reached a settlement outside of court for compensation amounting to $118,121—an amount that would have ruined Eric’s practice if not for his policy.
Claim Amount: $1,032 Eyelash extensions temporarily blind a client  Sarah always dreamed of having the best eyelash salon in town. After working and training for years, she finally saved enough to open her own shops and provide clients with the best experience available—the Sarah experience.  The first six months went great until one client came in for their first-ever eyelash extension procedure. During the procedure, the client began feeling a stinging sensation in their eyes, but didn't mention anything to Sarah because they thought it was just part of the treatment. Hours later, though, she experienced inflammation around her eyes which worsened overnight. She was diagnosed with severe eyelid inflammation (blepharitis) causing temporary visual impairment.  Sarah was devastated. An accident like this could not only damage her reputation but sink her business in its infancy. However, the client reached a $1,032 settlement with BBI to cover the costs of her medical treatment.  Sarah’s ability to handle it quickly and professionally helped protect her reputation and her pockets. 
Claim Amount: $47,160 Waxing left a client with permanent facial scarring Clara is an esthetician who offers facial waxing as part of her typical range of services. One day, a client contacted Clara about a facial waxing service before a job interview in order to look his best. During the waxing procedure, Clara’s wax melter malfunctioned, causing her to apply the wax at an excessively high temperature. This led to severe burns on the client’s face, unfortunately resulting in permanent scarring. Distraught by the physical and emotional damage he suffered, Anthony decided to pursue legal action and gathered evidence like medical reports documenting the severity of his injuries, photographs showcasing the scarring, and witness testimonies from individuals present during the incident. It became evident that Clara hadn’t done her due diligence to ensure the wax was at a safe temperature before application. Eventually, both parties reached a settlement agreement for damages amounting to $47,160. Clara’s BBI policy helped Anthony treat his injuries quickly and reliably.
Claim Amount: $20,000 Facial burns almost cost a salon owner big Zara’s Salon specializes in chemical peel treatment for skin rejuvenation (peeling off the outer layer of skin to reveal new skin underneath) leaving her clients feeling brand new.  Zara has performed these treatments hundreds, if not thousands, of times. From dry skin to oily skin to sensitive skin, she’s seen it all. But during what seemed like a routine session, unbeknownst to her, her client had particularly sensitive skin and the usual product strength Zara always used caused an adverse reaction.  Their skin negatively reacted to the chemical peel, resulting in severe burns and pain that lasted for days. Zara interpreted the client’s intake form as best she could and processed it accordingly. However, she was still liable for the damages and continued treatment to repair her client’s skin, which landed at $19,819.  Without the right coverage, Zara would have had to foot the bill herself! 
Claim Amount: $252,770 Hair coloring gone wrong almost bankrupts a small business During a hair coloring appointment, Grace began to apply her typical amount of bleach to the coloring she was using. As her client sat, she mentioned that she was getting a burning sensation pain was getting worse and worse.  A few days later, it became apparent that her client suffered from scalp burns that required medical attention and later resulted in significant hair loss. As it turns out, Grace’s new salon purchased bleach in a significantly higher concentration than her previous workplace, and failed to tell Grace before she began the treatment. Grace's client decided to pursue legal action against the salon and won damages amounting to $252,770 for her medical expenses, emotional distress, and the cost of corrective treatments. BBI was there to support her in her time of need and help her client afford the treatments she needed
Claim Amount: $3,788 A simple slip costs a salon big time Javier recently took over ownership of his father’s barbershop. The building was old, but the barbershop had found recent success online and more and more clients had been making appointments over the past month—so many that they had to add two extra chairs to fit everyone in. On a particularly busy day at the shop, their regular delivery person tripped over one of the new chairs that hadn’t been properly secured to the floor yet, resulting in a sprained ankle and an injured wrist. Javier promptly helped the delivery person after the fall, providing first aid and calling for medical assistance to ensure his well-being. Furthermore, they documented the incident thoroughly for future reference. However, because the delivery person would not be able to work while his injuries healed, he decided to file a claim against the barbershop to seek compensation. After careful consideration of his medical bills, pain and suffering, lost wages, and other relevant expenses incurred due to the accident, the delivery person was entitled to receive $3,788 in damages. Thanks to his BBI policy, Javier was able to cover the damages without losing any profits.

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

Why BBI?

Relax, BBI's Got You Covered

Without insurance, each one of the bodywork professionals would have had to pay huge sums in damages and face devastating consequences to their business’ reputation—something a small business can’t always afford. With BBI, your business can be protected from scenarios like this with services like:

General & Professional Aggregate

Yearly Policy Limit: $3 million (included)

Insurance for beauty & bodywork professionals includes general and professional liability insurance that offers third-party bodily injury and property damage coverage. Sometimes you slip up. Sometimes clients just slip. This coverage protects you if someone else is harmed or property is damaged while you’re working. It also protects you if a client injures themself after taking your advice.

Products & Completed Operations Aggregate

Yearly Policy Limit: $3 million (included)

As a part of your business, you might use products like hair coloring, massage oils, or makeup kits. This coverage protects you if they end up harming the client in any way. It also protects you if something happens after you finish your service. For instance, if a client complains of neck pain after a deep tissue massage and blames you.

Damage to Premises Rented to you

Yearly Policy Limit: $300,000 (included)

Mostly intended for short-term protection, this coverage helps cover costs of damage to premises you occupy for 7 days or less. It differs from General Liability in that it covers you regardless of cause. Say an accident happens while you’re moving in and setting up – this coverage would kick in. It also applies to fire damage.

Tools & Supplies Coverage

Yearly Policy Limit: $2,000 (optional addition)

Also known as Inland Marine Insurance, Tools & Supplies coverage protects and pays for tools, supplies, and inventory that suffer damage or theft. This includes but is not limited to massage/manicure tables, massage/barber/pedicure chairs, hair/nail dryers, lotion/gel/stone warmers, etc. Structural properties like buildings or items permanently attached to properties are excluded.

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Don’t let your business become one of these cautionary tales. Buy a policy now and find the coverage that makes a difference when you need it the most.

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All policies have conditions, limitations and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.