Products and Completed Operations Coverage
Ever wonder about what-ifs that can happen after you complete a service? Products and completed operations coverage is peace of mind for after the appointment.
What Is Products-Completed Operations Coverage?
Products-completed operations coverage is a type of liability coverage that applies after your client leaves. Think of it as “coverage for later”! It protects your business if a product you use or a service you provide causes harm once the appointment is over.
This coverage falls under general liability insurance and is automatically included with your Beauty & Bodywork Insurance (BBI) policy.
What Does Products Completed Operations Coverage Cover?
Products and completed operations coverage is designed to cover third-party (client) bodily injury or property damage caused by your products or completed services.
If a client is injured after leaving your business because of your completed work or products used
If your completed services end up causing damage to your client’s property after they leave your premises
For example:
- Client has an allergic reaction to a serum used during a facial
- Muscle strain shows up a day after a massage appointment
- A client slips at home due to excess oil on their feet
- Hair dye after a color service stains a client’s property
It can cover:
- Medical expenses
- Replacement costs
- Damages awarded
- Lawyer fees
What Does It Not Cover?
This coverage doesn’t apply to intentional harm, products you sell, or injuries that occur during service. It also doesn’t cover theft or damage of the products you keep on hand.
Who Needs Coverage for Products and Completed Operations?
If you use products or offer services as a beauty or bodywork professional — chances are you do! — then you need this coverage in case something goes wrong after your work is done.
This coverage comes standard with your base policy for:
How Much Does Products and Completed Operations Coverage Cost?
This coverage is included with your BBI policy, starting at just $9.99/month or $96/year. This gives you $3 million in aggregate coverage — that’s the total amount you’re protected for across all claims in a policy year.
Why Do I Need Products and Completed Operations Coverage?
Just because the service is done doesn’t mean the risk is gone. If a client has a delayed reaction to a skincare product or gets injured from a more intense massage session, you can be held responsible.
This coverage kicks in to pay for costly claims related to what you did or what you used — after the fact.
How Do I Get Products-Completed Operations Coverage?
Getting covered for the products you use and the services you complete only takes a few minutes.
- Click “Buy Now” to start your purchase
- Select the services you offer
- Tell us about your business
- Review your coverage
- Pay and receive instant proof of insurance
Products And Completed Operations Coverage vs Product Liability
Products and completed operations coverage helps protect you if a client claims a product you used caused them harm after the service is complete. Included with your BBI policy.
Product liability insurance is a separate coverage that applies to physical products you sell, such as skincare or beauty items — in case they injure a client or damage their property. Not included with your BBI policy.
Need additional coverage for products you sell? Check out Insurance Canopy for product liability coverage tailored to your beauty or bodywork business.
What Are Common Claims?
Not every issue shows up right away. BBI covers you now and later, so delayed damages don’t catch you off guard.
- $850
- $500
Get peace of mind today.
- $1,200
- $3,200
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Why BBI for Products and Completed Operations Coverage?
BBI makes it simple to get comprehensive coverage for your business. Products and completed operations coverage is automatically included, so you can focus on helping clients look and feel their best — without worrying about mishaps that might show up afterward!
Get covered online in under 10 minutes with top-rated insurance that protects you when it really matters.
Check Out BBI Reviews
Our policyholders say it best.
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!
FAQs About Products and Completed Operations Coverage
What Is the Coverage Limit for Products and Completed Operations?
The annual aggregate limit of your products and completed operations coverage is $3 million. This is the maximum amount your coverage will pay over a policy year and is included in your general liability aggregate.
What Other Coverages Do I Need?
BBI’s base policy combines essential general and professional liability insurance to protect you from common claims in your industry. Products-completed operations coverage is part of your general liability coverage.
These are the coverages we recommend for beauty and bodywork pros:
- General liability insurance for general third-party liability claims
- Professional liability insurance for service-related mishaps
- Tools and supplies coverage for your movable business property
- Cyber liability insurance for data breach coverage
- Endorsements for specialized services (like cupping or microcurrent facials)
Learn more about BBI coverage details.
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.