Personal and Advertising Injury Coverage
What would happen if someone says your business harmed them emotionally, financially, or reputation-wise — even if no one was physically hurt? That’s where this essential coverage comes in.
What Is Personal and Advertising Injury Insurance?
Personal and advertising injury insurance is two-in-one coverage for a) non-physical damages to another person or business and b) those same damages, but specifically caused by your advertising.
If your business unintentionally hurts someone — but not in a physical way — this coverage is designed to kick in.
Personal injury: Harm caused to a person or business (minus physical injuries)
Advertising injury: Harm caused by how you promote your business
How This Coverage Helps Your Business
You work hard to help clients look and feel like their best selves. But sometimes things don’t land the way you intend — and you could be held legally or financially responsible.
If a client or competitor claims your business harmed them (outside of bodily injury or real property damage), this coverage can help pay legal fees or settlement costs. It’s part of your base Beauty & Bodywork Insurance (BBI) policy!
What Does Personal and Advertising Injury Insurance Cover?
This insurance covers both personal and advertising injuries.
Personal injuries include:
- Libel, slander, or defamation
- Copyright or intellectual property misuse
- False arrest or wrongful detention
- Unreasonable lawsuits
- Invasion of privacy
- Wrongful entry
Advertising injuries include:
- Using someone else’s logo
- False or misleading advertising
- Accidental use of copyright images
- Making damaging claims about a competitor
What Does Personal and Advertising Injury Insurance Not Cover?
This coverage excludes things like:
- Intentional or criminal acts
- Knowingly false statements
- Breach of contract or unmet client expectations
- Most intellectual property issues outside of your advertising
- Businesses based primarily online or in media
- Illegally recording or sharing material
- Online forums or bulletin boards
Who Needs Coverage for Personal and Advertising Injury?
You need this coverage if you:
- Have a beauty or bodywork business
- Promote your business online or in person
Because any time you interact with other people or post about your services, you could be at risk of a non-physical injury claim.
The good news? This coverage comes standard in your base insurance policy for massage therapy, esthetics, cosmetology, nail services, salons, or spas.
What Are Common Claims?
With BBI coverage, you won’t have to face mishaps like these alone.
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
How Much Does Personal and Advertising Insurance Cost?
Personal and advertising injury coverage is automatically included in your BBI policy (under general liability coverage), which costs from $9.99 a month or $96 a year. It offers $3 million in total annual coverage!
How to Get Covered
Get coverage for non-physical injuries and damages in just a few minutes.
- Click “Buy Now” to start your purchase
- Select the services you offer
- Tell us about your business
- Review and confirm your coverage
- Pay and receive instant proof of insurance
What Other Coverages Do I Need?
BBI’s base policy combines general and professional liability insurance to protect you from common claims in your industry. Personal and advertising insurance is part of your general liability coverage.
These are the coverages we recommend for beauty and bodywork pros:
- General liability insurance (included) for general third-party liability claims
- Professional liability insurance (included) for service-related mishaps
- Tools and supplies coverage (optional) for your movable business property
- Cyber liability insurance (optional) for data breach coverage
- Endorsements (optional) for specialized services, like cupping or microcurrent facials
Learn more about BBI coverage details.
Why BBI for Personal and Advertising Injury Coverage
BBI specializes in covering the beauty and bodywork industry — no one else! You can feel confident your coverage is truly designed with you in mind. Get personal and advertising insurance, along with all the other essential coverages you need, online fast.
Join over 69,000 professionals like you who work with peace of mind, knowing their businesses are protected against claims of reputation or financial damage, and more!
We Take Your Coverage Personally
But don’t just take our word for it! Hear from our policyholders.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
Chris Van Leeuwen | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Beauty and Bodywork Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.