Fire Legal Liability Coverage
Get essential coverage for the space you work out of — in case your business accidentally causes damage to it.
What Is Fire Legal Liability Insurance (Damage to Premises Rented to You)?
Fire legal liability and damage to premises rented to you coverage is protection for your rented workspace in case you unintentionally damage it. Think of it as coverage that makes it less risky for you to rent a station, booth, or studio!
Both are included in your Beauty & Bodywork Insurance (BBI) policy, under general liability coverage.
The Difference Between Fire Legal Liability and Damage to Premises Rented
Fire Legal Liability and Damage to Premises Rented are titles for a specific type of insurance coverage that are often used interchangeably. In fact, they are two parts of the same policy offered by BBI. It works like this:
Fire legal liability coverage: Designed to cover fire damage to the property caused by your business if you rent for longer than seven days
Damage to premises rented: Designed to cover more types of damage to rented property if you rent for seven days or fewer
These names are often used interchangeably, but how they apply to your business depends on how long you’re renting a space: under seven days, broader coverage; over seven days, coverage just for fire.
This two-in-one coverage is designed to cover:
- Fire damage
- Smoke damage
- Water damage from sprinklers
- Most types of other property damage under seven days
It covers rented locations like:
- Booth space at an expo or trade show
- Short-term studio or salon suite rentals
- A suite or hotel room booked for a special occasion
- Rented training or classroom spaces
What Does It Not Cover?
This coverage doesn’t apply to:
- Intentional damage
- Normal wear and tear
- Your own business personal property (requires Tools & Supplies Coverage)
- Any damage other than fire after seven days
Who Needs Coverage for Fire Legal Liability?
Every beauty and bodywork professional needs this coverage! You’re always at risk of damaging property, whether you rent long-term or primarily do gigs at multiple locations.
This coverage comes standard with a BBI policy, tailored for massage therapy, esthetics, cosmetology, nail services, salons, spas, and many more beauty and bodywork modalities.
How Much Does Damage to Rented Premises Cost?
Fire legal liability (damage to premises rented) is automatically included in your BBI policy, which costs from $9.99/month or $96/year, giving you $300,000 in total annual coverage.
What Are Common Claims?
Don’t get burned by common claims like these. BBI’s got you covered.
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Why BBI for Fire Legal Liability and Damage to Premises Rented Coverage
Your passion for beauty and bodywork shines through your everyday work. But you need a space — whether a long-term studio or a quick rental — to actually offer your services to clients!
BBI makes it easy to get coverage for your rented location, protecting you from fire damage claims, so you can get back to business fast.
Join over 69,000 professionals like you who already work with peace of mind, backed by top-rated coverage tailored exclusively for your industry.
Check Out These Glowing Reviews
Our policyholders have great things to say about us.
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FAQs About Fire Legal Liability Coverage
Why Is Only Fire Damage Covered After Seven Days?
Long-term rental coverage is limited to fire damage only because other types of property damage are expected to be covered under a tenant’s property policy (different from general liability, which is your business’ responsibility for damages to others).
Does This Coverage Apply to Spaces I Rent by the Hour?
Yes, your coverage applies to accidental fire and property damage liability claims for spaces you rent by the hour!
Does It Cover Damage Caused by My Clients?
If you’re legally responsible for the damage your client causes, this coverage can help pay for repairs — say a client knocks over a curling iron in a hotel room you rent for the day, causing damage to the carpet. If you aren’t at fault, the property owner’s insurance would typically respond instead.
How Do I Buy Fire Legal Liability Insurance?
- Click “Buy Now” to start your purchase
- Select the services you offer
- Tell us about your business
- Review and confirm your coverage
- Pay and receive instant proof of insurance
What Other Coverages Do I Need?
To keep things easy, BBI’s base policy combines general and professional liability insurance, so you can feel confident you’re covered against common claims in your industry.
These are the coverages we recommend for beauty and bodywork pros:
- General liability insurance (included) for third-party injuries and property damage
- Professional liability insurance (included) for your professional services
- Tools and supplies coverage (optional) in case of theft or damage to your business essentials
- Cyber liability insurance (optional) to help you recover from a data breach
- Endorsements (optional) for specialized services, like cupping or microcurrent facials
Learn more about BBI coverage details.
Chris Van Leeuwen | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.