Endorsement
What Is an Endorsement on an Insurance Policy?
An insurance endorsement is a change to your insurance policy. It adds, removes, or edits something in your coverage.
Think of endorsements as a way to customize your policy so it fits your precise business needs.
Why It Matters for Beauty and Bodywork Professionals
Insurance policy endorsements help you get the specific coverage you need, so you can meet insurance requirements and provide services confidently.
- Salons, spas, and event organizers often require specific language, like being listed as an additional insured (a type of endorsement)
- Specialized services, like cupping or microcurrent facials, often require an endorsement for your policy to cover them
- Your movable business items can be protected with an optional add-on called Tools & Supplies Coverage
In short, endorsements make your insurance policy work for you — according to your unique risks.
Where Can I Find the Endorsement on My Insurance Policy?
There are three sections on your insurance policy to view your endorsements:
- Declarations page: Shows a list of endorsements attached to your policy]
- Certificate of insurance (COI): May reflect the result of an endorsement (like an additional insured added to your policy)
- Endorsement document: The actual form detailing the changes made to your policy and its effective date
What Are Some Examples of Endorsements in Business Insurance?
Endorsements are common in business insurance. Here are some you might need:
- Additional insured: Extends coverage to a qualified third party for your business operations at their location
- Optional coverages: Adds a specific coverage, like cyber liability insurance, to your policy
- Modality endorsement: Adds coverage for a specialized service that is typically excluded from your policy
Endorsement vs Certificate of Insurance: What’s the Difference?
An endorsement changes your policy, while a certificate of insurance serves as proof of coverage. So, you might see an “edit” to your coverage on your policy “snapshot” (your COI), which you can send to a landlord if they need to verify it.
Swipe →
| Item | What It Is | Who Uses It | What It Changes | Where You See It |
|---|---|---|---|---|
|
Endorsement |
An official change to your policy |
You and the insurer |
Adds, edits, or removes coverage or terms |
On the declarations page list, the endorsement form, and sometimes your COI |
|
Certificate of Insurance (COI) |
Proof that your policy is active |
Third parties, such as venues, landlords, or clients |
It doesn’t change coverage; it only shows resulting coverage changes |
In your user dashboard (download a copy and send it to whoever needs to see it) |
How Do I Get an Endorsement Added to My Insurance Policy?
To add an endorsement to your Beauty & Bodywork Insurance (BBI) policy, simply log in to your user dashboard and make the changes online. It’s quick and easy to select your desired endorsement and get an updated COI.
If you can’t find the endorsement you need, our licensed support agents are ready to help. Contact us — we are happy to walk you through customizing your policy!
How Much Do Insurance Endorsements Cost?
The costs of insurance endorsements vary, but they’re typically more affordable than you think. For example, with BBI, adding coverage for your tools and supplies starts at $2/month, and adding unlimited additional insureds costs $30/year.
Related Terms
- Additional Insured
- Add-On
- Certificate of Insurance (COI)
- Declarations Page
- Effective Date
- Policy Period
- Coverage Details
