Add-On
What Is Add-On Insurance?
In insurance, an add-on refers to additional coverage or extra features added to a standard insurance policy. It’s a simpler way to refer to “endorsements,” which enhance protection by covering risks not included in the base policy.
What Do Add-Ons Mean for Beauty and Bodywork Professionals?
Just like you tailor service to your clients, insurance add-ons allow you to create your ideal policy by opting in to bonus coverages.
Benefits of Add-On Insurance
- Extends coverage to specialized services or unique risks
- Helps you meet studio, landlord, or event insurance requirements
- Updates your certificate of insurance (COI) to show updates to your policy
For example, if you select a Tools & Supplies Coverage add-on, your policy will be updated to cover your business personal property in case of theft or damage. This change will be reflected on your COI.
What Don’t Add-Ons Do?
Optional add-ons are designed to make a specific change to your coverage. Here’s what they don’t do:
- Guarantee a claim will be paid (it must still meet the policy and add-on terms)
- Erase exclusions unless the add-on (endorsement) specifically changes them
- Automatically cover every new service you start offering (always verify your exact coverage)
Insurance Endorsement vs Add-On vs Rider
Insurance endorsements, add-ons, and riders all mean the same thing: a written change to your policy. Think of them as edits to your coverage, usually adding more protection for a specific exposure.
Common Add-Ons for Beauty & Bodywork Professionals
These are some common insurance add-ons your industry peers opt for.
| Add-On | Why You Might Need It |
|---|---|
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Adds another business entity (like a salon owner) to your policy so they’re covered if they’re named in a claim related to your services |
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Cupping |
Extends your coverage to include dry cupping treatments at your business |
|
Helps you recover from cybersecurity-related claims on your business (like a data breach on your clients’ information) |
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Adds coverage for your fitness instruction (such as yoga, personal training, or Pilates) |
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Microcurrent |
Covers the use of handheld microcurrent devices during facial treatments |
|
Salon & Spa Owner |
Protects your salon or spa with blanket coverage for each station and every technician working at your business |
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Helps defend you if you’re wrongly accused of sexual misconduct (currently unavailable for male massage therapists) |
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Pays to repair or replace business tools and supplies if damaged or stolen, so you can resume work quickly |
How Much Do Add-ons Cost?
Add-ons usually add a small cost to your premium. For example, adding cupping coverage to your Beauty & Bodywork Insurance (BBI) policy costs $2.92/month (added to your base policy premium).
Related Terms
- Endorsement
- Additional Insured
- Certificate of Insurance (COI)
- Cyber Liability Insurance
- Exclusion
- Sexual Abuse & Molestation Insurance
