Facial Insurance
- Superfast, secure, and easy
- Instant coverage — for wherever you work!
- $15 per additional insured | $30 unlimited
BBI’s Facialist Malpractice Insurance
You’re an expert at helping clients achieve fresh, glowy complexions. Beauty & Bodywork Insurance (BBI) is the clear choice for keeping your practice protected.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
A Radiant Future for Your Business
BBI is here to support you while you bring out the best in your clients’ skin. Here are some real claims we’ve helped with.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
BBI is here to support you while you bring out the best in your clients’ skin. Here are some real claims we’ve helped with.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
What Is Facial Insurance?
Included in BBI’s professional policy, facial insurance is coverage designed to protect you from expensive claims related to your work, such as client injury, allergic reactions to treatments, and professional mistakes.
Get coverage for:
- General liability
- Professional liability
- Products and completed operations
- Personal and advertising injury
- Fire legal liability
- Medical expenses
You’ve got skin in the game — insurance gives you peace of mind to brighten, hydrate, and rejuvenate each complexion with confidence!
How Much Does Facial Insurance Cost?
BBI’s facial insurance starts at just $9.99/month or $96/year. The great news? It’s part of a professional policy that also covers many of your other esthetic and beauty services — with $2 million in coverage per claim and $3 million in coverage for the whole year.
Are My Tools and Equipment Covered with Facial Malpractice Insurance?
Yes! Insure all of your movable business property with our optional tools and supplies coverage — multiple tiers available, starting at $2/month.
With this add-on, your everyday essentials, like microdermabrasion machines, LED light therapy devices, portable chairs, and serums, are covered in case of damage or theft.
Quote-Free Insurance for Facialists
You’re in great company — over 63k professionals already trust BBI to keep their businesses safe every day.
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.
Optional Add-Ons
Your base insurance policy comes standard with the coverages listed in the chart above. To customize your policy and maximize your protection, select from these extra coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your facial steamers, skincare products, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to third parties that may be affected by claims brought against your business.
Good for: meeting the requirements of salon or spa owners, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: facialists who book clients or accept payments online.
Common Questions About Facial Insurance
Do I Need Facialist Malpractice Insurance?
Yes! You need insurance to:
- Financially protect your business in case of client injury or adverse reactions
- Safeguard yourself against claims of unsatisfactory results or negligence
- Meet common requirements for employment at salons, spas, etc.
- Show clients you’re a professional who cares about keeping them safe
What Methods Does the BBI Facial Insurance Policy Cover?
- Microdermabrasion
- Chemical peels
- Serum-based facials
- Photofacials or IPL
- Non-invasive facials
- LED light therapy
- Oxygen facials
- Dermaplaning
Check out our list of exclusions to see what isn’t covered.
Looking for Glowing Reviews?
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!
What Other Services Are Covered in a BBI Policy?
Work worry-free! A single policy covers you for:
