Insurance for Cosmetology Graduates

As a cosmetology student, you’ve had rigorous training in taking care of people’s nails, applying makeup, esthetics, and skin care. Upon graduation, you may be excited to sign a contract and begin working as a professional cosmetologist. Don’t get started until your career is protected.

Don’t let an injured client wipe out your brand new cosmetology career.

How BBI Protects You

Liability insurance will help you protect your new cosmetology career. Our liability insurance is designed to protect cosmetology professionals from:

  • Bodily injury claims
  • Property damage claims
  • Lawsuits, and more

In addition, many franchises and spas will require you to have massage therapy insurance before they’ll sign a contract with you.

Program Highlights

  • General and Professional Liability
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to you
  • Inland Marine/Business Personal Property
$96PER YEAR

PROFESSIONAL
LIABILITY POLICY

Have Questions?

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

Why You Need Cosmetology Insurance

  • Could you afford to cover the medical expenses if you injured someone while doing a skin treatment?
  • Would you be able to replace your cosmetology kit if it were stolen?
  • Do you have the money to pay for a lawyer and court costs if you were sued?

Don't get started until your career is protected

As a cosmetology student, you’ve had rigorous training in taking care of people’s nails, applying makeup, esthetics, and skin care. Upon graduation, you may be excited to sign a contract and begin working as a professional cosmetologist.

Our online Beauty and Bodywork Insurance (BBI) policy offers affordable liability insurance for professional massage therapists and massage therapy students. Our policies are available in all 50 states.

So, whether you are employed at a spa, need mobile massage insurance, or working as a clinical massage therapist, BBI is for you.

1 Additional Insured $15 | Unlimited Additional Insureds $30

General & professional liability limits

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

$3,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

$3,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement

Included

The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.

$2,000,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000

Additional limits

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.

$2,000

Deductible

$100

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No pressure. No hassles.

Popular methods

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: