Beauty and bodywork insurance

Beauty and bodywork insurance DEFAULT

Beauty and Bodywork Insurance

Beauty and Bodywork Insurance

260 S 2000 W, Ste 303, Pleasant Grove (UT), 84062, United States

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(877) 536-7290


Insurance Company

Work hours
MO 07:00 – 17:00 SAclosed
TU 07:00 – 17:00 SUclosed
WE 07:00 – 17:00
TH 07:00 – 17:00
FR 07:00 – 17:00
About Insurance for Massage Therapists, Estheticians, Cosmetologists, and more, starting at $99. All available online at
Beauty and Bodywork Insurance cover
Mission We provide the beauty & health industry with a solid insurance program that already includes everything professionals need to insure every aspect of their business. From liability to property to identity theft, our coverage provides 360 degrees of protection to assure your peace of mind.
Description 100% Online insurance coverage for the beauty & health industry. No more waiting for an insurance quote for your cosmetology, massage, or esthetics business - visit us online today to get your insurance coverage for a great price! Starting at $69 annually for students and non-licensed professionals, and $99 annually for licensed professionals, our program provides General & Professional Liability, Property coverage for your supplies and equipment, Identity Theft coverage, and much more! Visit today for more information.
Founded September 2012
Products Liability insurance for massage therapists, beauticians, estheticians, nail technicians, reiki, hair stylists, esthetics and cosmetology students, etc.

Customer Support Hours:
Mon-Fri: 7:00-5:00 MST

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Beauty & Bodywork Insurance | $96 Massage Insurance | BBI

Beauty & Bodywork Insurance offers liability insurance to professionals ($96/yr) and students ($67/yr) in over 250 modalities, inc...


liability insurance, massage insurance, Affordable Price, esthetician insurance, bodywork insurance, Beauty and Bodywork Professionals, Beauty and Bodywork Insurance
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    • Beauty & Bodywork Insurance | $96 Massage Insurance | BBI

      Beauty & Bodywork Insurance offers liability insurance to professionals ($96/yr) and students ($67/yr) in over 250 modalities, including massage insurance. There is no quote process.

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    What does the policy include?

    This is an admitted policy that includes general and professional liability, products and completed operations, personal and advertising injury, and damage to premises rented to you.

    How much is the premium?

    The professional policy starts at $118.

    Is there a deductible?

    There is no general liability deductible, but there is a $100 inland marine deductible.

    Eligible classes of business

    This policy is designed for insureds who are students or professionals within the industry. Here’s who qualifies:


    • Aromatherapy
    • Reflexology
    • Acupuncture


    • Airbrush makeup artists
    • Eyelash extensions
    • Makeup artists
    • Teeth whitening

    Energy workers

    • Acupressure
    • Healing touch
    • Reiki


    • Facials
    • Hair removal
    • Microdermabrasion

    Massage therapists

    • Animal massage
    • Chair massage
    • Deep tissue massage
    • Hot stone massage
    • Sport massage
    • Swedish massage
    • Thai massage

    Nail techs

    Salon and spa owners

    Excluded operations

    The excluded operations for the policy are the following:

    • Acupuncture (Optional Endorsement)
    • Aerial yoga
    • Any operation that requires a medical license
    • Any procedure that punctures the skin (Optional Endorsement)
    • Aqua therapy
    • Body branding
    • Cryotherapy
    • Cupping (Optional Endorsement)
    • Diagnosing or failure to diagnose any disease or medical condition
    • Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams
    • Ear candling/coning
    • Electrolysis
    • Endermologie
    • Flower essence or herbal therapy
    • Gua sha
    • Hypnosis
    • Laser treatments
    • Manipulations or adjustments of the human skeletal structure
    • Microblading
    • Pole dancing, pole fitness, or exotic exercise
    • Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
    • Psychological or related treatment therapy
    • Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
    • Removal or any attempt to remove warts, moles, or skin growths
    • Sale, service or application of wigs or toupees
    • Skin needling
    • Suntan beds or suntan booths
    • Surgical hair removal, hair implanting or hair transplanting
    • The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
    • The use of any product developed with or containing human stem cells or stem cell media
    • The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
    • The use of inversion tables
    • Training or application of micro-pigmentation, Black Henna, body piercing or permanent body art
    • Ultrasonic cavitation machines

    Coverage Details

    General & Professional Liability Aggregate


    Products & Completed Operations Aggregate


    Personal & Advertising Injury


    Each Occurrence


    Damage to Premises Rented to you


    Inland Marine / Business Personal Property




    Malpractice Insurance for Beauty and Bodywork Professionals

    Beauty and Bodywork Insurance

    Looking for affordable professional and general liability? Whether you are a currently a student or a recent massage or beauty school graduate, a seasoned veteran or anywhere in between; you’ve come to the right place. Our beauty and bodywork insurance program is perfect for student and professional cosmetologists, massage therapists, and makeup artists. Annual policies are priced as low as $88 and coverage can be purchased online in minutes.

    Beauty and Bodywork Insurance Coverage Details

    As a beauty or bodywork professional, you have been trained in the best practices and techniques to improve the well-being of your clients. However, just as important, is to look after yourself and your business! Safeguard Insurance offers an insurance program that is perfect for most students and professionals involved in massage therapy, hairdressing, cosmetology, energy and healing touch as well as aestheticians, nail technicians, manicurists, makeup artists, and face/body painters. We provide highly affordable coverage by using a Risk Purchasing Group to negotiate a group rate with our insurance carrier.

    The coverage offered under this program includes:

    • General liability and professional liability of $2M per occurrence and $3M aggregate.
    • Business personal property of $2,000.
    • Identity theft coverage of $15,000

    Obtaining a quote for beauty and bodywork insurance takes less than 60 seconds and coverage can be purchased instantly. Once enrolled you will have 24/7 access your account and can print a certificate of insurance on-demand. Additional insureds are included automatically.

    Beauty and Bodywork Insurance Quote

    Click the button at the top of this page to obtain an instant quote and bind coverage.

    Have additional questions or concerns? Contact our product specialist, Cheston Williams at 702.529.0324 for assistance.

    Safeguard Insurance is located in Las Vegas, NV. We are licensed to quote beauty and bodywork insurance in many States such as Nevada, Utah, Arizona, California, Idaho, Oregon, Washington, New Mexico, Texas, Florida, and South Dakota.


    Insurance beauty and bodywork

    Beauty and Bodywork Insurance (InsureBodywork) Review


    Working as a beauty therapist, massage therapist, being a spa business owner, having a tanning salon, or being a cosmetologist, nail technician, makeup artist, esthetician, etc. can be a rewarding business, but it can also be one that puts you at risk of a lawsuit. If you’d like to avoid being put in an unfavorable financial position because of something out of your control, then insurance may be the best bet for you.

    In this guide, we’re going to examine the services of beauty and bodywork insurance, also known as InsuredBodywork or BBI insurance. We’ll take a short look at the company itself, what they offer, and the benefits of having a membership with them. We’ll also explore the average cost of insurance from InsureBodywork, and we’ll break down their packages.

    About Beauty Bodywork Insurance

    Beauty and Bodywork (AKA Insure Bodywork) insurance was started in 2012 by Veracity Insurance Solutions. It began as a risk purchasing group that partnered with Great American Insurance Company to tend to the needs of professionals in the beauty field, who were widely underrepresented.

    Within a year of being launched, Beauty and Bodywork Insurance grew by about 200%, and the program went forward with renewed vigor. Veracity got a full-time staff on the payroll to handle Beauty and Bodywork, and they launched a new project to renew the online presence of the brand.

    This marked the point at which BWI rebranded to BBI (Beauty and Bodywork Insurance), and the company started increasingly relying on technology and the web to connect with its clients. Since then, the company has focused its efforts on providing its customers with better service and convenience.

    Beauty and Body Works Insurance Policy Details

    Beauty and Bodyworks specializes in insuring a wide range of professionals in the beauty industry, including massage therapists, estheticians, cosmetologists, face painters, teeth whitening services, and much more. This policy is fulfilled through the Great American Insurance Group, who BBI is partnered with.

    The base BBI policy comes at a flat rate along with their membership, and it comes with a wide range of benefits for policyholders. When insured with BBI, you can opt for a range of endorsements that might also increase the cost of your insurance policy depending on their level of risk.

    The aggregate limit for general and professional coverage is $3 million and $3 million in coverage for professional and completed operations coverage. Personal and ad injury is also included with a $300,000 limit in coverage when it comes to damage to premises rented by you.

    Their policy features other optional add-ons including a cyber coverage option with a $100,000 limit and a $50,000 limit for E-theft coverage. For beauty professionals that work with a fitness trainer, there’s also an add-on that can cover a yoga instructor, dance instructor, or personal trainer.

    Beauty & Bodywork Insurance Program Benefits

    There are also many additional benefits that come with a Beauty and Bodywork Insurance policy. For example, you have access to policy documents at all times and you can rely on just a single policy for all potential claims to ensure that paperwork is as simple as possible.

    BBI also features a no quote process to make things further streamlined and they provide you with instant coverage, allowing you to get your beauty business kick-started. As a bonus, everything can be done online, with no need for face-to-face meetings and wasted time.

    Whenever you make a liability claim through the BBI policy, you won’t have to worry about paying a deductible. If you’re insured through BBI, you’ll also be covered in all 50 states, so you won’t have to worry about opting for an alternative company because of where you’re located.

    Beauty and Bodywork Insurance Reviews

    In this part of our guide, we’re going to take a look at two separate InsureBodywork product reviews, broken down by the policy offered. First off, we’re going to take a look at the more common professional liability policy that BBI offers and then we’ll go over the equivalent student policy.

    Professional Liability Policy Review

    The professional liability policy is the most popular policy available from BBI because it applies to the vast majority of professionals in beauty-related fields. This features standard coverage with the same range of add-ons that apply to more specialized niches in the beauty field, like acupuncture.

    The best thing about the professional liability policy is that it applies to all modalities. This means that if you offer nail tech services, cosmetology, or anything else, you’ll still be covered by this policy and you won’t have to pay a premium for each of the additional jobs that you perform.


    • Covers all beauty professions

    • No quote process

    • Available in all 50 states


    Average cost: $96 per year

    Rating: A+

    Student Liability Policy Review

    The student liability policy is available to students enrolled in professional schools for beauty. Compared to the professional liability policy, the student policy is similar in every way except for who can apply for it and the cost, being a bit more affordable than the professional policy.

    This policy features all of the same advantages that the professional policy features, including an A+-rated carrier in the form of Great American Insurance Group. Limits remain the same with $3 million aggregate for general and professional liability as well as products and completed operations.


    • Affordable

    • Good limits

    • Liability claims have no deductible


    • Only available to students

    Average cost: $67 per year

    Rating: A+

    Beauty and Bodywork Insurance Coupon

    Now that we’re done with our Insure Bodywork reviews, you may have decided that you want to become a member and do the beauty and bodywork insurance login process. Before going out and applying for their services, it may be a good idea to look around for an InsureBodywork coupon.

    It is hard to find a BBI insurance coupon, by if you get your hands on a valid one, this may allow you to get as much as 50% off of your first year of coverage, allowing you to keep your beauty business safe without breaking the bank. Considering the affordability of BBI coverage, this will get your premium more than 90% lower than what you’d be paying with other insurance carriers.

    Another great idea which is much easier to do, will be to compare quotes from many leading beauty business insurance companies online by clicking the 'Get Quotes' button below, completing the process and have more options on your table.

    Recent Reviews

    Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be getting much for what you pay.



    Policy Type: Business Insurance

    Company name: Next Insurance

    5 / 5

    Excellent experience so far! Amazing service, fair rates and very fast and convenient online sign up process!


    Mark Adams Insuranker

    Policy Type: Business Insurance

    Company name: Next Insurance

    5 / 5

    Had a fast, cheap and smooth business insurance experience with Next. Superb product and customer service. Would definitely recommend them to anyone!


    Erin Davis Insuranker

    Policy Type: Business Insurance

    Company name: Next Insurance

    4.6 / 5

    Very responsive and professional customer support, fast and easy online sign up and competitive rates for our LLC! Thank you!


    Laurie Stewart Insuranker

    Policy Type: Business Insurance

    Company name: Next Insurance

    4.6 / 5

    Cheapest rates I've found for my home cooking business, the fastest online application and excellent customer service!

    How to Add an Additional Insured - Beauty and Bodywork Insurance

    Salon-hairProfessional hairdressers, beauticians, and barbers help people every day. In any line of work, accidents happen, and the risks double for people who are self-employed or own a small business. Hairdresser, beautician, or barber insurance protects you and your livelihood. Defending a liability claim can easily cost thousands to hundreds of thousands of dollars. By not having professional hairdresser insurance, you risk losing your hard-earned business, future earnings, and even your reputation. Not to mention your credit score could suffer, making it harder to get back on your feet.

    Take a look at some real-life claim examples

    In one case, the customer alleged that color was left in her hair too long; the color had dried to her scalp.  She realized the next day that her scalp was burned, and it became infected.  She had to take prescription medication and missed a week of work. Her claim was settled for $2,500.

    In a similar case, the stylist exceeded the recommended time for the color to be on the customer’s head, and placed it under a hair dryer when the manufacturer’s instructions stated heat should not be used. The scalp burn led to an infection that caused permanent hair loss. Medical bills to treat the infection and for hair replacement amounted to almost $10,000. The claim was settled for about $20,000. Legal fees amounted to $8,000.

    Trip and fall incidents often happen right inside the door, especially if it’s been raining or snowing. One case involved the first customer of the day, whose shoes were wet. The customer slipped and fractured her kneecap, resulting in medical bills over $25,000. The initial settlement demand was $150,000. The claim was settled for $40,000 after almost $15,000 in defense costs were incurred.

    What coverage do you need?

    • Professional liability insurance - Hairdresser liability insurance will cover any potential risk that comes with your profession. If, for example, a client who is cut or burned during styling seeks damages from you for a bodily injury or emotional distress claim, professional liability insurance will protect you.
    • General liability insurance - All small businesses should have general liability insurance. This insurance will protect you if anyone is injured because they tripped over your chair or one of your cords. It will also cover property damage if, for example, you spill hair dye on a client’s expensive suit or designer handbag.
    • Business personal property insurance - Even though you rent, you have equipment, tools, and supplies to cover if there's a fire or other covered loss.

     Do booth renters and chair renters need insurance?

    Definitely! In fact, many owners of rented space at salons or booths require it for hairdressers who rent a chair. Even if they don't, you should still have insurance because renting a chair or booth puts you at risk for the same common incidents that affect hairdressers who own a salon.

    Contact an independent agent to discuss your beauty insurance needs.  Find one today using our agency locator.


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