Insurance Requirements for Beauty Professionals by State
Beauty & Bodywork Insurance (BBI) is licensed to insure beauty pros like you with coast-to-coast coverage*. For all the ways you help clients look good and feel amazing, get excellent-rated beauty insurance that works where you work.
BBI’s affordable beauty coverage includes general and professional liability insurance, with optional add-ons, and can be purchased online in minutes.
*Currently not for sale in Missouri.
Where Are You?
Select your state for beauty industry stats, licensing how-tos, and more.
What Do You Do?
Your beauty service menu looks great. We’ve got you covered for:
Why BBI?
Over 63,000 of your beauty industry peers trust us to protect their businesses.
Affordable
High coverage that costs less than a bottle of OPI nail polish a month!
Tailored
A policy designed to meet your unique needs.
Supportive
Customer service that’s here for you now and later.
General And Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Need More Coverage?
No problem. Get additional coverage for:
- Your tools and supplies (inland marine) – from $2/month
- Your online business data (cyber liability) – $6.58/month
- Your landlord or employer (additional insureds) – $15 per or $30 unlimited
Join the BBI Community
Our policyholders have great things 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!
