The tools you use as a professional cosmetologist, or beauty therapists, 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. Whether you need mobile cosmetology insurance or coverage as an independent contractor in a salon, BBI has what you need.
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Cosmetology insurance helps you protect 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.
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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.
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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.
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Join the thousands of Cosmetologist nationwide who have found peace of mind by purchasing liability coverage from BBI.
| 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 |
| Inland Marine / Business Personal Property | $2,000 |
| Deductible | $150 |
| Identity Recovery Coverage | $15,000 |
| Deductible | $250 |
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.
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 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)
With over 250 types of massage therapy methods to choose from, we don’t want to restrict to specific types. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include:
