Microdermabrasion is one of the most effective anti-aging techniques around. As a specialist, clients come to you to help them fight the clock. Just like other techniques, things can go wrong and without microdermabrasion or esthetician insurance you could be exposing your business’ bottom line.
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BBI is the liability coverage you need
The techniques you use as a microdermabrasion specialist helps your clients look their best, but mishaps can happen at any time. What would happen if you worked on a client and they developed a skin irritation? What if that irritation led to discomfort and emotional trauma? What if you were held liable and had to pay the client’s medical expenses?
The good news is that having a Beauty and Bodywork Insurance (BBI) policy provides protection from unforeseen accidents. We offer insurance for estheticians who are using a microdermabrasion machine as well as students who are just learning the trade.
We also offer a discount for students going into a non-surgical hair removal profession.
Get a policy today
Join the thousands of beauty professionals nationwide who have found peace of mind by purchasing liability coverage from BBI.
General & 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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-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
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.
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.
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 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
Questions About Microdermabrasion Insurance?
What is Microdermabrasion Liability Insurance?
Our esthetician insurance policy extends coverage for your specific services and practices. Microdermabrasion liability insurance gives you financial coverage in the event of a claim against your business for accidents or errors you may make in the course of a client appointment.
Accidents happen, but our Beauty and Bodywork Insurance policy is designed to cover many unique practices offered in this professional beauty space. Don’t work without coverage and assume the risk, put your trust in BBI.
How Much is Microdermabrasion Insurance?
Our General and Professional liability coverage start at $96/ year. This provides you quality coverage for $3,000,000 annually for accidents or claims that may arise. You can easily customize your policy with additional coverages for unique services you offer including acupuncture or cupping.
What Types of Microdermabrasion are Covered by a BBI Policy?
Microdermabrasion is a minimally invasive treatment, so many of your practicing methods will be covered including; diamond-tip, crystal, and hydradermabrasion. If you are curious about specific practices you offer you can always contact our customer service team via chat, phone, or email.
Who we are
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.
Veracity Insurance Solutions
Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.
Great American Insurance Group
Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.
Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)
The esthetics industry includes a wide variety of practices and methods, and insurance coverage is essential for every one of them. No matter which modality is practiced, liability coverage is important. BBI has skin in the game, and our esthetician insurance policies are designed to give workers what they need to have assurance as they do their job.