Base Policy
What Is a Base Insurance Policy?
Your base insurance policy includes essential coverage your business needs before you add anything extra. For beauty and bodywork professionals, this policy protects the work you do with clients every day. You can then build on coverage with add-ons (endorsements).
Why a Base Policy Matters for Beauty and Bodywork Pros:
- Meets requirements: Check off venue or contract insurance boxes
- Saves time: A ready-to-go certificate of insurance (COI) helps you speed through salon, spa, or event onboarding
- Fits your needs: Pay for the coverage you actually need and skip what you don’t
What’s Typically Included in a Base Policy in Insurance?
A base insurance policy for beauty and bodywork typically includes:
- General Liability: Covers third-party bodily injury and property damage (like a client tripping over a cord in your space)
- Professional Liability: Covers claims alleging your services caused an injury or didn’t meet professional standards
- Standard Limits: A per-occurrence cap (for one claim) and an aggregate cap (total for the policy year)
- Basic COI: Proof of coverage you can share with studios, landlords, or events to meet their insurance requirements
Beauty & Bodywork Insurance (BBI) includes all of the above in your base policy, giving you must-have protection to do what you love.
What’s Not Included in a Base Policy?
Your BBI base policy is the starting point, but some risks need extra coverage, like:
- Tools & Supplies (Inland Marine): Coverage for your movable business property in case it’s stolen or damaged
- Cyber Liability: Protection if you’re business experiences a cybersecurity risk
- Sexual Abuse & Molestation (SAM): Defense if you’re wrongly accused of sexual misconduct at work
- Additional Insureds: An extension of coverage to third parties who may be affected by your business
- Endorsements: Coverage specifically for specialty treatments, like microcurrent facials or cupping
How Can I Customize My Base Policy With Add-Ons or Endorsements?
With BBI, you can customize your base policy with add-ons when you purchase your policy or through your user dashboard — all online. It’s quick and easy to add protection for your beauty or bodywork tools or list additional insureds on your policy.
Does the Base Policy Cover My Equipment and Supplies?
Your base policy doesn’t cover equipment or supplies, but with BBI, you can easily add Tools & Supplies Coverage at checkout (or anytime after, through the dashboard). This add-on starts at just $2/month.
Related Terms
Additional Insured
Endorsement
Exclusion
Business Owners Policy (BOP)
General Liability
Professional Liability
