Liability Insurance for Estheticians

Even the best training with chemical peels and wax can’t prepare you for everything that can happen.


Skin is the most visible part of the human body, so it makes sense that people want to take good care of it. As an esthetics, also known as aesthetics, professional you know the best techniques and practices that can help your clients’ skin look great. What you may not know is how to reduce risk of liability when it comes to your profession.


Per Year

Liability Policy

Program Highlights

  • 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

Because everyone is different, it is not always easy to know the best way to help a client. Something that works for one client may actually harm another.

Say, for example, you applied a hot wax to a client and she was burned and had to go to the hospital. The odds are good that your client will be coming to you and bringing medical bills with her.

Before something like this happens, you should have liability coverage, and our Beauty and Bodywork Insurance (BBI) policy is what you need. We want to make sure that you have the most coverage at a price you can afford, with students paying even less.

Common Questions

Esthetician insurance helps you protect your business and personal finances from liability claims like bodily injury, property damage and professional liability. As an esthetician, your insurance should, at the very least, include general liability, professional liability, and business personal property coverage.

If you have any questions about these coverage types, please feel free to call one of our licensed agents at 877-536-7290 for a no-obligation consultation

A lot of factors can affect the cost of your insurance policy. However, at Beauty & Bodywork Insurance (BBI), we're able to keep things simple. As long as your services don't include any of the excluded methods listed on our site, you can purchase a policy for $96 if you're a professional esthetician or $67 if you're an esthetics student.

To put it simply: yes. Because you are working on people's skin, you will want to be protected in case they have an allergic reaction or sustain other injuries from your treatments and day-to-day business operations. The costs of medical care, legal defense, and more can add up quickly, draining both your business and personal assets. You also may be required to have liability insurance if you rent space at a spa or salon, and they may even require you to list them as an additional insured on your policy.

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

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

The esthetics industry includes a wide variety of practices and methods, and insurance coverage is essential for every one of them. No matter which modality is practiced, liability coverage is important. BBI has skin in the game, and policies are designed to give workers what they need to have assurance as they do their job.