Keep Your Clients and Pockets Feeling Fresh and Fabulous
As a beauty and bodywork professional, your passion is helping people feel like their best selves. Whether it’s a deep massage, a fresh cut, or a skincare glow-up, you want every client to feel better than when they entered your business. Sometimes, things don’t go as planned. Don’t let mistakes or accidents stress you out.
Why Beauty Professional Liability Insurance?
Claims are Costly
We get it. Insurance can sound complicated. But you’ve poured so much effort into your business. Are you prepared to cover the costs of claims? We want to see your spa, salon, or studio thrive. That’s why we offer the most affordable coverage for most beauty and bodywork professionals. Here are some claims professionals like yourself face every day:
Why Beauty Professional Liability Insurance? Claims are Costly
We get it. Insurance can sound complicated. But you’ve poured so much effort into your business. Are you prepared to cover the costs of claims? We want to see your spa, salon, or studio thrive. That’s why we offer the most affordable coverage for most beauty and bodywork professionals. Here are some claims professionals like yourself face every day:
Starting at just $96/year, Beauty and Bodywork Insurance helps you breathe easy and focus on your craft.
The Best Beauty and Bodywork Business Protection for the Best Price
Tailoring our coverage to beauty and bodywork professionals allows us to keep premiums low and coverage high. Here’s a breakdown of what BBI offers, the coverage beauty professionals need starting at $96/year:
Yearly Policy Limit: $3 million (included)
Insurance for beauty & bodywork professionals includes general and professional liability insurance that offers third-party bodily injury and property damage coverage. Sometimes you slip up. Sometimes clients just slip. This coverage protects you if someone else is harmed or property is damaged while you’re working. It also protects you if a client injures themself after taking your advice.
Yearly Policy Limit: $3 million (included)
As a part of your business, you might sell products like hair coloring, massage oils, or makeup kits. This coverage protects you if they end up harming the client in any way. It also protects you if something happens after you finish your service. For instance, if a client complains of neck pain after a deep tissue massage and blames you.
Yearly Policy Limit: $300,000 (included)
Mostly intended for short-term protection, this coverage helps cover costs of damage to premises you occupy for 7 days or less. It differs from General Liability in that it covers you regardless of cause. Say an accident happens while you’re moving in and setting up – this coverage would kick in. It also applies to fire damage.
Yearly Policy Limit: $2,000-$10,000 (optional addition)
Also known as Inland Marine Insurance, Tools & Supplies coverage protects and pays for tools, supplies, and inventory that suffer damage or theft. This includes but is not limited to massage/manicure tables, massage/barber/pedicure chairs, hair/nail dryers, lotion/gel/stone warmers, etc. Structural properties like buildings or items permanently attached to properties are excluded.
Policies & Pricing
Salon & Spa Owner Policy
Day Spas, Franchises, & Nail Studios
General & Professional Liability
Coverage for you + your employees
and independent contractors
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
From $349/year
AGENT RECOMMENDED
Beauty & Bodywork Professional Policy
Individual technician coverage
One policy covers 250+ methods & services
General & Professional Liability
($3 million per year/$2 million per claim)
Damage to Premises Rented to You
Optional Tools & Supplies Coverage
From $9.99/month
or $96/year
Program Benefits
Instant Certificate of Insurance
Nationwide coverage
Fast online purchasing
Coverage for mobile services
No deductible for liability claims
No membership fees
Coverage for All Kinds of Beauty and Bodywork Professionals
Our liability insurance covers over thirty types of practitioners, including:
High-Quality Coverage for Reasonable Prices
Specializing in coverage only for beauty & bodywork professionals, offering it online, and removing the need for sales agents lets us keep coverage high and prices low. Here’s how we compare to others in the space.
| BBI | Next | Hiscox | BeautyPlus | The Hartford | Thimble | |
| Pricing | $96 | $95 | $850 | $159 | $499 | $344.56 |
| Occurrence | 2M | 1M | 1M | 2M | 1M | 1M |
| Aggregate | 3M | 2M | 2M | 3M | 2M | 1M |
| Products Completed | 3M | N/A | N/A | 2M | 2M | N/A |
| Personal and Adv. | Included | 1M | N/A | N/A | 1M | 1M |
| Damage Premises | 300K | Included | Included | 1M | 1M | N/A |
| Professional | 3M | 2M | 1M | N/A | N/A | N/A |
| Add-Ons: | BBI | NEXT | Hiscox | BeautyPlus | The Hartford | Thimble |
| Inland Marine | ✅ | ❌ | ❌ | ❌ | ❌ | ✔️ |
| Cyber Liability | ✅ | ✔️ | ❌ | ❌ | ❌ | ✔️ |
| Salon & Spa | Average Premium | GL Limits | PL Limits |
| BBI | $349 | $2M/$3M | $2M/$3M* |
| Next | $300 | $1M/$2M | $1M EE Limit |
| $450 | $3M EE Limit | ||
| Hiscox | $591 | $2M/$2M | BOP |
| $286 | $4M EE Limit | ||
| $1,030 | BOP + $8M EE Limit | ||
| $374 | $1M EE Limit | ||
| $350 | GL Owner Only | ||
| The Hartford | $761 | $1M/2M | None |
| PPIB | $897 | $1M/$2M | $1M/$2M** |
NOTE: EE Limit is number of employees it provides coverage for. *BBI covers chairs or booths so you don’t have to worry about employees coming and going. **No EE Limit. The information in this comparison and on this page has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by BBI as to the accuracy or completeness of this information.
Specializing in coverage only for beauty and bodywork professionals, offering it online, and removing the need for sales agents lets us keep coverage high and prices low. Here’s how we compare to others in the space.
Trusted by Over 63,000+ Beauty and Bodywork Professionals
You want protection without hassle. That’s why we’re here. Here’s what our beauty professionals say about our service.
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!
Here’s why beauty and bodywork professionals choose BBI:
- Top-rated
- Our easy, online application takes >10 minutes to complete
- 24/7 access to your insurance policy with your online account
- Filing a claim is quick and easy
- Make changes to your policy at any time
- Industry-preferred occurrence-based coverage*
- Ability to add additional insureds to your policy at any time
- Our base policy is affordable, starting at just $96/year
- Customizable policy options to fit your business needs
- Available endorsements if you need additional coverage
- All of our customer service reps are licensed insurance agents
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
We Don’t Have Sales Agents, We Have Service Agents
Our certified agents are only here to answer all of your questions so you can make the best decision for your business. Think of them as a nice candle – there to help you relax when times get stressful.
95%
of customers are “very likely” to recommend BBI after working with our best-of-class agents.
File Claims in The Time It Takes to Ask Clients “The Usual?”*
In case of a claim, you can easily file your claim online in just a few minutes through your online dashboard by simply filling out the online form with your contact information and details about the incident.
From there, within 24-48 business hours, our team will reach out by email or phone to gather any additional information needed in order to continue with the claim. The claim then gets reviewed by the carrier, and if it’s approved, we settle the claim!
*Okay, it might take a few minutes, but it is quick and streamlined!
Why BBI? We Grow with You
If you’re ready to go from employee to boss and are looking to open up a salon or spa, we’ve got you covered. Our Salon & Spa coverage helps you protect all of the chairs or stations in your salon or spa. We know independent contractors and employees come and go — so with Salon & Spa coverage, you won’t have to worry about updating your coverage each time you hire someone. You’re protected!
