Insurance Coverage for Cosmetologists

A bad haircut is not the worst thing that can happen to your client while they are in your salon.


The tools and supplies you use as a professional cosmetologist enable you to help your clients look their best. The majority of the time, these tools - scissors, makeup, nail files - make your job easier, but these same tools also have the potential to harm.


Per Year

Liability Policy

Program Highlights

  • Buy Online - Process Takes About 10 Mins
  • General and Professional Liability
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to you
  • Inland Marine/Business Personal Property

Not ready to buy?

Setup a reminder for the day you want to purchase. No pressure. No hassles.

Set a reminder

No quote process   •   Instant coverage   •   A+ rated insurance Carrier

massage therapy

BBI is the Coverage you need

All the years of training you had to be a cosmetologist, also known as a beauty therapist, gave you the skills you need to help your clients look beautiful, whether your clients come to you or you have a mobile business and you go to them. Unfortunately, accidents will happen, no matter how much training you have and no matter where you are.

One wrong move while you are using scissors to cut your client’s hair could lead to hospital and doctor bills that you are liable for. These expenses could set you and your business back thousands, or even tens of thousands, of dollars.

This is where our online Beauty and Bodywork Insurance (BBI) policy can respond. The best way to protect yourself from the risk of unforeseen expenses is to eliminate the risk in the first place, and our goal is to provide beauticians with the most coverage at the lowest price. In addition, students receive a discount to help them as they enter their profession.

Whether you need mobile cosmetology insurance or coverage as an independent contractor in a salon, BBI has what you need.

Common Questions

Cosmetology insurance helps you protect your personal and business finances from bodily injury, property damage, and professional liability claims. At the minimum, you will want your cosmetology insurance to include general liability, and professional liability coverage, but you should always consider covering your business personal property, too.

Insurance rates can be affected by a variety of factors. Beauty & Bodywork Insurance (BBI), however, keeps our prices simple.

Professional cosmetologists can purchase cosmetology insurance for $96. Cosmetology students can purchase a policy for $67. You are eligible to purchase this coverage as long as your services do not include any of the excluded methods listed on our site.

Yes. There's always the risk of allergic reactions or skin irritation when you put makeup on someone's skin. In addition, you could also be held liable if your products stain or damage the premises where you're working. With the right cosmetology insurance, medical care, legal fees, repairs, or other claim expenses may be covered.

Coverages & pricing

** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.

liability policy

This policy is for professionals who work in the Beauty and Bodywork Industry.


Buy policy


liability policy

This policy is for students currently enrolled in a beauty or massage school.
About Student Policy


Buy policy

Program benefits

  • 24/7 Access to Policy Documents
  • Quality insurance
  • Convenient Online Purchasing
  • No Quote Process
  • Licensed In All 50 States
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • One Policy for Multiple Methods
  • Peace of Mind

1 Additional Insured $15 | Unlimited Additional Insureds $30

General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $100
Identity Recovery Coverage $15,000
Deductible $250

Not ready to buy?

Setup a reminder for the day you want to purchase.

Set a reminder

No pressure. No hassles.

Who we are

The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.

Veracity Insurance Solutions

Veracity Insurance Solutions

Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.

Great American Insurance Group

Great American Insurance Group

Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.

Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)

Popular methods

Being a cosmetologist is so much more than cutting hair. In addition, many professionals in the cosmetology industry are independent contractors, meaning they run a small business. A BBI policy includes many different practices, some of which include: