Facials are becoming a popular way for people to moisturize and heal the skin on their face. Professionals use techniques to help their clients obtain a clear complexion, but working so closely with another person’s skin exposes you to certain liability risks. Without facial insurance, you could be facing steep out of pocket costs when accidents do happen.
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BBI is the coverage you need
For many people, the first thing they notice about someone else is their face. People come to you to help keep their faces healthy and moisturized. It’s a rewarding job, but there are risks that come with it that you should be aware of.
The good news is that having a Beauty and Bodywork Insurance (BBI) policy provides protection from unforeseen accidents. We offer insurance for estheticians who are using a microdermabrasion machine as well as students who are just learning the trade.
We also offer a discount for students going into a non-surgical hair removal profession.
Get a policy today
Join the thousands of beauty professionals nationwide who have found peace of mind by purchasing liability coverage from BBI.
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.
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
-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
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.
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.
Microcurrent therapy rejuvenates and improves the appearance of skin and can offer muscle pain relief. BBI offers coverage for microcurrent treatments—one of the latest technologies utilized by estheticians—for just $35 with your BBI policy. You can add the microcurrent endorsement to your policy when filling out your application.
The following exclusions apply to the microcurrent endorsement:
- You do not perform procedures on clients with cancer, implanted devices (such as pacemakers, defibrillators, etc.), are pregnant, or subject to seizures
- You only use handheld microcurrent devices
- You do not use electrode pads in your practice
- You only use microcurrent devices with 500 microamps and below
Questions About Facial Insurance?
While this is not a dedicated facial insurance policy, providing facials will be included in your Beauty and Bodywork Insurance policy. With this policy, you are protected from third-party claims of damage or injury while performing work. You also are extended coverage for errors made in the process of your work or omissions (things you didn’t do correctly) that caused damage to a third party.
Providing client facials will be included in your Beauty and Bodywork Insurance policy. A professional policy starts at $96/year and a student policy starts at $67/year.
Many esthetician practices and services are included under one policy. A unique policy is not required for all of the services you provide to your clients, however, some may require an endorsement (ie. acupuncture, cupping, or microcurrent). This will be clear in the application.
Yes! By adding the optional Tools & Equipment Coverage to your policy, we may extend coverage to various items and property you use in your business and services. This can include salon chairs, steamers, rollers, storage fridges, and serums. If an item is accidentally damaged or stolen, your insurance policy may help you cover the cost to repair or replace it.
Tools & Equipment Coverage is an additional $13/year for $2,000 per policy year and occurrence limit. You can add this optional endorsement to your policy during the application, or add it to an existing policy from your customer dashboard.
Estheticians and other beauty professionals always benefit from carrying liability insurance. By purchasing a BBI policy, you are getting General and Professional Liability Insurance coverage. Facialist Malpractice Insurance is included in the Professional Liability piece of your coverage, meaning it will help with claims where an error was made or an omission was made that caused damages to your client.
We always suggest that you select a beauty and bodywork policy that has professional coverage for the best insurance to meet your needs as you work with clients.
Many different methods for facials are covered in your one policy including:
- Chemical Peels
- Serum-Based Facials
- Photofacials or IPL
- Non-Invasive Facials
There are some exclusions to the esthetician and facial insurance, which would include work with needles and lasers. To see a list of practices that are excluded from the policy, please visit our exclusion page.
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, 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 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)
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 our esthetician insurance policies are designed to give workers what they need to have assurance as they do their job.