Tools & Supplies Coverage
Do you rely on professional tools and supplies to run your business? Get coverage for your movable essentials so you’re always ready to help clients look and feel their best.
What Is Inland Marine Insurance?
Inland marine insurance is coverage for your movable business property in case it gets stolen or damaged. At Beauty & Bodywork Insurance (BBI), we call it Tools & Supplies Coverage because that’s what it is!
This coverage pays to repair or replace your tools and supplies so you don’t have to pay out of pocket to get up and running again.
What Does Tools and Equipment Insurance Cover?
Tools & Supplies Coverage covers anything you use for business that is not permanently installed in your workspace. This includes:
Tools
Inland marine can cover professional tools like massage tables, nail drills, or shears if they’re stolen or damaged.
Supplies
This coverage protects supplies like oils, lotions, makeup products, disinfectants, and other essentials you use at your location or bring to appointments.
Inventory
If you sell finished products, like handmade scrubs or packaged haircare, these items are covered against theft or damage.
Raw Materials
Whether you create your own massage oil blends from scratch or use raw materials for services, this coverage can pay to repair or replace these materials in case of theft or damage.
Business Tech
Devices like business tablets, smartphones, or card readers used for scheduling, payments, or marketing are covered on-site or while in transit.
Booth Displays
This coverage is designed to protect your display items, like signs, shelves, banners, or lighting, that you use to set up at trade shows or events.
Mobile Gear
Equipment you regularly transport, such as portable massage chairs or rolling cases, is covered in case of theft or damage.
Who Needs Tools & Supplies Coverage?
Any beauty or bodywork professional who invests in tools and equipment for their business needs this coverage!
Easily add it to your base insurance policy for massage therapy, esthetics, cosmetology, nail services, salons, or spas.
How Much Does Inland Marine Insurance Cost?
BBI offers two tiers of inland marine coverage for individual professionals and four tiers of coverage for salon or spa owners — starting at just $2 a month for $2,000 in coverage for the policy year!
How Do I Buy Tools & Equipment Coverage?
Getting insurance for your tools and equipment is easy.
- If you’re new to BBI, simply add Tools & Supplies Coverage during the online purchase.
- If you’re already a BBI policyholder, add Tools & Supplies Coverage any time right from your user dashboard.
Tools and Supplies Coverage Tiers
Limits – Per Claim / Per Policy | Price | Deductible | |
Tier 1 | $2,000 / $2,000 | $2/month | $100 |
Tier 2 | $5,000 / $10,000 | $5.50/month | $200 |
Tier 3 | $10,000 / $20,000 | $10.67/month ✅ Only available for salon or spa owners | $500 |
Tier 4 | $15,000 / $30,000 | $17.83/month ✅ Only available for salon or spa owners | $500 |
Tier 1:
Limits – Per Claim/Per Policy:
$2,000 / $2,000
Price:
$2/month
Deductible:
$100
Tier 2:
Limits – Per Claim/Per Policy:
$5,000/$10,000
Price:
$5.50/month
Deductible:
$200
Tier 3:
Limits – Per Claim/Per Policy:
$10,000/$20,000
Price:
$10.67/month
✅ Available for salon or spa owners
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
✅ Available for salon or spa owners
Deductible:
$500
How Can Tools & Supplies Coverage Help Your Business?
Comprehensive Protection
This coverage goes beyond basic liability by protecting the physical items you use in your work — from massage tables to skincare products — wherever you take them.
Flexibility and Customization
Tailor your coverage to match the value of the business tools you carry! Our multiple coverage tiers ensure you pay only for what you need.
Business Continuity
If you’re suddenly without your tools or supplies, this coverage helps you replace them quickly and keep your business running. That means fewer cancelled appointments and lost income!
Peace of Mind
Knowing your essential gear is protected empowers you to focus on your clients. Whether you’re on the road or at the salon, you have one less thing to worry about.
Why Do I Need Coverage for My Tools?
Your tools are the backbone of your business, and replacing them on your own can get expensive fast. With inland marine coverage, you’re protected against common risks.
Damage
Accidents can happen at any time — whether it’s a fire, a water leak, or a mishap during travel.
Theft
Your valuable tools and supplies are at risk of theft, especially while you travel to and from appointments.
Loss
Items can be lost during travel or affected by unforeseen events. Even when the unexpected happens, you can keep your business moving forward.
Examples of Tools & Supplies Coverage Claims
With BBI, you don’t have to face these oh-nos all alone.
- $1,603
- $1,535
Get peace of mind today.
- $2,000
- $4,450
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 Tools & Supplies Coverage
BBI specializes in covering the beauty and bodywork industry — no one else — so our top-rated policies are styled just for you. Plus, you won’t find this many coverage options for your tools and supplies with other insurers.
Get essential protection for the things you can’t do business without and start working with BBI peace of mind.
You’re in Good Hands
Check out what our happy policyholders have to say.
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.