Hair Removal Insurance
Very few things are more annoying than having to constantly shave to get rid of unwanted hair. This is why your clients come to you and trust that you can help them rid their bodies of unwanted hair. Even though you are an expert, accidents can happen and without hair removal insurance you could be held liable.
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$15 per Additional Insured or $30 for Unlimited
BBI Is the Coverage You Need
Working with people’s bodies poses certain risks. What if you accidentally cut a client with a razor and they had to go to the hospital? What if your client had an allergic reaction to an adhesive you put on them? Without protection, you could be held liable for all medical bills and expenses.
Beauty and Bodywork Insurance (BBI) is your solution for non-surgical hair removal insurance. Our comprehensive liability coverage is for estheticians who perform hair removal services, such as tweezing, waxing, threading and more, but laser use is specifically excluded.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without hair removal insurance coverage, you could be held liable for these claims.
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.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without hair removal insurance coverage, you could be held liable for these claims.
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.
Questions about hair removal insurance?
What is Non-Surgical Hair Removal Insurance?
Non-surgical hair removal insurance is a type of coverage for claims relating to services such as tweezing and waxing. It is included under our general and professional liability coverage.
With BBI, estheticians are extended comprehensive liability insurance. This is unique to find affordable beauty and bodywork policies that extended this blended coverage. Check out our coverage limits to review our annual and occurrence limits.
What Types of Hair Removal are Covered by BBI?
Under the Beauty and Bodywork Insurance policy, non-surgical hair removal practices are covered. This can include tweezing, waxing, threading, and more. However, laser hair removal is an excluded service under this policy.
How Much Does Hair Removal Insurance Cost?
Hair removal practices are covered under our General and Professional coverage, as well as many other services. You can purchase this policy starting at $96/ year with additional options to build the right coverage for you.
What Risks do Hair Removal Technicians Face?
You’ve heard horror stories about client appointments gone wrong. In our decade of providing insurance, we’ve seen claims come in from torn skin after waxing appointments, chemical burns, and many slip and fall accidents that could happen in your salon.
The risks in working with people come in a variety of ways. The real risk of not carrying insurance for hair removal and esthetician services is that you assume all of the financial risk if something goes wrong. That includes things like trips, slips, and falls at your salon. But it can also extend coverage to you for errors made during a service appointment.
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
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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:
