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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:

$3,000,000 aggregate | $2,000,000 per occurrence |
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.

(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.

(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.

$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.

How do I insure my Tools and equipment?

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.


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.


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


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.


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.


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.

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.

No deductible

This add-on is needed if you plan to offer acupuncture, within the eligible activities only.

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.

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:

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


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

At Beauty & Bodywork Insurance, we work hard to cover as many professionals as possible. Every day, we’re working on improving and increasing our coverage to match customer demand. Before starting your policy, we recommend you review our exclusions page.

More About BBI

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