Coverage Details for Beauty & Bodywork Insurance
As a beauty and bodywork professional, you have enough to worry about while managing your clients and business. You shouldn’t have to spend countless hours learning about insurance coverage and details. Here’s all you need to know about what is covered and offered in our coverage:
General Liability
No deductible
Think of General Liability Insurance as a safety net for your beauty or bodywork business. It shields you from any wrongs that could cause harm to someone’s body, property, or reputation.
Say a customer gets hurt in your salon, and they sue you. The insurance covers their medical bills and legal fees. We’ve seen several beauty professionals face lawsuits from customers tripping over chairs. It sounds silly, but it happens.
It also pays for any damage you cause to your client’s property. For instance, you may perform a haircut at a client’s house. If you have an accident while on the job, you’d be covered.
Professional Liability
(included with General Liability Aggregate)
Professional Liability Insurance, also known as Errors and Omissions (E&O) insurance can help protect you if you’re accused of not doing your job well, making a mistake, or causing harm or damage to a client.
For example, say you do a bride’s hair before her wedding and she isn’t happy with the outcome. This insurance can help pay for any penalties or fines and legal fees if she sues you for ruining her big day.
Or, if you’re a cosmetologist and your makeup advice causes your client to have a bad allergic reaction, Professional Liability Insurance can help pay for their losses and legal fees.
This insurance can also help if you break a contract, mislead someone, or do something wrong while on the job. It’s important to have this kind of insurance to protect yourself and your clients.
Products & Completed Operations
(included with General Liability Aggregate)
Products & Completed Operations coverage is like a shield for the products you sell and the services you provide. Most salons will sell products as a part of their service. If someone gets hurt or something gets damaged because of your products or services, even after you’ve finished your work or sold your product, this coverage can help cover the costs of legal action taken against you, or other compensation that you become responsible for.
For instance, a few days after dying a client’s hair, they notice a burning sensation on their scalp. This coverage protects you if they come to you for compensation.
Personal & Advertising Injury
(included with General Liability Aggregate)
Personal & Advertising Injury coverage helps protect your business’s good name. It’s like a rainy day fund when someone accuses you of doing something wrong like lying about a competitor or using someone else’s stuff without permission. If you get accused of these things, you might end up in court, but this insurance can help cover the costs.
You might be competing with another salon for business and in your advertising, you make some claims. You would be protected if that competitor came after you with allegations.
Damage to Premises Rented to you
$300,000 aggregate | No deductible
Damage to Premises Rented to You coverage can protect your business from the cost of damage caused to a rented location, like a spa or salon space. If you accidentally damage a rented space, it can help cover the cost of repairs.
This coverage is designed for short-term rentals, typically lasting a few days. It should be seen as a supplement to, not a replacement for, comprehensive property insurance. If you’re renting a space for seven or more consecutive days, this policy only covers damage from fires.
Medical Expense Limit
Any one person: $5,000
Medical Expense Limit helps if someone gets hurt on your property or due to your business operations. This coverage only pays for medical expenses, not other costs like lost wages or pain. It’s important to have because it can help you avoid paying medical bills from your own pocket. This applies even if you’re not legally responsible for the injury.
Tools & Supplies (Inland Marine)
$2,000 aggregate coverage | (+$16/year) $100 deductible
Tools & Supplies coverage (Inland Marine Insurance) protects your business equipment. This insurance is made for things that move around, like massage/manicure tables, massage/barber/pedicure chairs, hair/nail dryers, lotion/gel/stone warmers, etc.
If any of that stuff gets damaged, lost, or stolen, Inland Marine coverage pays for fixing or replacing it. It does not cover anything permanent like buildings or lighting installations.
If you work out of your house, you may think your Homeowner or Renter’s Insurance covers your gear. But those coverages are intended for personal property. They either exclude business property or offer low limits. To protect your business property, you need Tools & Supplies coverage.
General and 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
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
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.
Additional coverages offered/add-ons
BBI offers additional coverages or add-ons so you can customize your policy for your business. These can be added to your policy within the app or after purchase. Simply login to your dashboard to change your policy options.
Additional Insureds are like extra people or organizations that are covered by your insurance policy. This could include things like a venue, property owner, or event planner. It’s not for friends, business partners, other beauticians, or yourself.
For example, let’s say you’re renting a building and someone gets hurt leaving. They could sue both you and the building owner. If the owner is listed as an additional insured on your policy, your insurance can help cover the costs for both you and the owner.
$15 for one additional insured
$30 for unlimited additional insured
This add-on is needed if you plan to offer dry cupping services within approved procedures.
$35/year
No deductible
This add-on is needed if you plan to include some form of fitness training such as yoga, dance, or personal training into your business operations.
+$33/year
No deductible
This add-on is needed if you plan to offer acupuncture, within the eligible activities only.
+$403/year
No deductible
As beauty and bodywork businesses rely more on technology, they face more risks of cyber attacks. Cyber Liability Insurance protects you from losses caused by these attacks, such as data breaches or ransom payments. This insurance covers costs like legal fees and credit monitoring services for customers affected by the attack.
Most beauty and bodywork professionals take some sort of payment online through Stripe, Venmo, PayPal, etc. That means you are storing customer information. If someone ever got ahold of that data, you’d need to have Cyber Liability to be protected.
$100,000 Aggregate Limit
$100,000 Privacy and Network Security
$100,000 Regulatory Fines and Penalties
$10,000 Ransom Payment
$10,000 Cyber Deception
$1,000 Deductible
This add-on is needed if you plan to offer microcurrent services to your customers, within provided limits.
+$35/year
No deductible
This added-on is available to help you cover employees or independent contracts. Rates are based on the number of booths or stations you want covered rather than employees to keep costs premiums lower for you.
Starts at +$349/year
No deductible
Learn more on our dedicated Salon & Spa page.
Beauty & Bodywork Insurance is Here to Benefit You
Discover the benefits of Beauty & Bodywork Insurance, offering a hassle-free experience with its unique features. Say goodbye to lengthy quote processes and enjoy instant coverage, 24/7 access to policy documents, and the convenience of purchasing online. With a single policy that covers multiple methods, no deductible on liability claims, and backed by an A+ rated insurance carrier, you can trust our program to provide quality insurance and grant you the ultimate peace of mind. Some additional benefits include:
- No Quote Process
- Manage your policy entirely online 24/7
- Quality Insurance
- Convenient Online Purchasing
- Licensed in All 50 States
- Instant Coverage
- No Deductible on Liability Claims
- One Policy for Multiple Methods
- A+ Rated Insurance Carrier
- Peace of Mind
- No hidden fees or membership dues
- Same (or higher) coverage limits as competitors for a lower cost
- Rates don’t increase based on revenue or employees
- Premiums are the same for every state, unlike most competitors
- Secure a policy up to 90 days in advance
- Shorter application process than competitors
- No agent required to buy insurance (and no agent fees)
Salon & Spa Owner Policy
Day Spas, Franchises, & Nail Studios
General & Professional Liability
Coverage for you + your employees
and independent contractors
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
From $349/year
AGENT RECOMMENDED
Beauty & Bodywork Professional Policy
Individual technician coverage
One policy covers 250+ methods & services
General & Professional Liability
($3 million per year/$2 million per claim)
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
From $96/year
Program Benefits
Instant Certificate of Insurance
Nationwide coverage
Fast online purchasing
Coverage for mobile services
No deductible for liability claims
No membership fees
We Do have Some Exclusions
More About BBI
We know a lot of professionals just want to learn about coverage details and need to do more research before making a decision. Learn why BBI might be the right choice for your business.
