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
- Supplies
- Inventory
- Raw materials
- Business tech
- Booth displays
- Mobile gear
For example, a massage therapist would have coverage for their portable massage table, oils, lotions, linens, diffuser, sound system, business tablet, and mobile signage.
These items would be covered for:
- Theft
- Damage
- Loss due to unforeseen events
What Does Inland Marine Insurance NOT Cover?
This coverage is a safety net for your business gear, but it doesn’t cover everything. It won’t cover:
- Stationary property
- The space you work out of
- Harm caused by your tools
- Normal wear and tear
- Your vehicle
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.
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.
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!
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
✅ Only available for salon or spa owners
Deductible:
$500
Tier 4:
Limits – Per Claim/Per Policy:
$15,000/$30,000
Price:
$17.83/month
✅ Only available for salon or spa owners
Deductible:
$500
How Do I Buy Tools & Equipment Coverage?
- 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.
What Coverage Do I Need in Addition to Inland Marine?
In addition to inland marine, BBI recommends the following coverages for beauty and bodywork professionals.
- General liability insurance for general third-party liability claims
- Professional liability insurance for service-related mishaps
- Cyber liability insurance for data breach coverage
- Endorsements for specialized services (like cupping or microcurrent facials)
Learn more about BBI coverage details.
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.
Your Tools and Supplies Are 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.