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.
General & professional liability limits
|General & Professional Liability Aggregate||$3,000,000|
|Products & Completed Operations Aggregate||$3,000,000|
|Personal & Advertising Injury||Included|
|Damage to Premises Rented to you||$300,000|
|Inland Marine / Business Personal Property||$2,000|
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
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.
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)
There are many different modalities and practices in the energy work industry. We believe that all of these are useful and don’t want to exclude any of them. Our BBI policy was created to give professionals and students in the energy work field the insurance they need at a price they can afford. Some of the other methods included in the policy include: