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Facial Insurance

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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$9.99/ month
or $96/year
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$15 per Additional Insured or $30 for Unlimited

 

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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.

What Are Some Examples Of Covered Claims?​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without facial insurance coverage, you could be held liable for these claims.

Rash caused by products used in facial - $389 Acne flare-ups and lesions after treatment - $1,281 Client tripped on tools after treatment - $1,885 Scarring caused after extractions - $5,162 Broken capillaries after extractions - $10,932 Chemical burning and scarring - $24,361

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

What Are Some Examples Of Covered Claims?​​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without facial insurance coverage, you could be held liable for these claims.

Rash caused by products used in facial - $389 Acne flare-ups and lesions after treatment - $1,281 Client tripped on tools after treatment - $1,885 Scarring caused after extractions - $5,162 Broken capillaries after extractions - $10,932 Chemical burning and scarring - $24,361

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

What is Facial Liability 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.

Buy Policy Starting at $9.99/month

How Much Does Facial Insurance Cost?

Providing client facials will be included in your Beauty and Bodywork Insurance policy. A professional policy starts at $9.99/month or $96/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.

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Are My Tools and Equipment Covered with Facial Liability Insurance?

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. 

Buy Policy Starting at $9.99/month or $96/year

Quote-Free Application Process

Join the tens of thousands of estheticians nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!

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.

Microcurrent Endorsement

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?

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. 

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Many different methods for facials are covered in your one policy including:

  • Microdermabrasion
  • 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.   

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Here’s what other people have to say about their experience.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Camille
CamilleNail Tech
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"Easy to understand"

Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Kris Christy
Kris ChristyMassage Therapist
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
Latoya Mosley
Latoya MosleyLash Artist
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
Autumn ZebroffEsthetician
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"Super fast online purchase."

Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
Jillian Walsh
Jillian WalshSpray Tanning
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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What Other Services Are Covered in a BBI Esthetician Insurance Policy?

BBI covers a wide variety of services. Take a look at the other esthetician methods we also cover:

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