COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: https://www.insurebodywork.com/coverage-details

General and Professional Liability Aggregate Limit: $3,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit: $3,000,000

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit: $2,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident.

Personal and Advertising Injury: Included in the liability coverages.

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

Damage to Premises Rented to You Limit: $300,000

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. AFTER 7 days the policy will only cover damage to the structure caused by fire.

Tools and Equipment (Inland Marine) Coverage Limit - $2,000 +$24

Tools and supplies coverage is optional and does not include the general liability policy. It can be purchased as an add-on policy. It is an additional $24 to add it to your policy. The following is information about the amount of coverage and deductible of this coverage:

• $2,000 aggregate coverage
• $100 deductible

We also now offer Inland marine endorsements to increase the limit of coverage. 

 BBI Inland Marine Endorsement -                                                                                                                                      $2K/$2K - $24 - Deductible $200                    $5K/$10K - $66 - Deductible $200

 

*We do not require a list of your equipment.

How to know if your equipment is insured:

While we cannot determine coverage for specific incidents or hypotheticals here because there needs to be an investigation by the claims adjuster, Body Work Insurance is designed to insure the gear that you use for your clients (think of things like massage tables, scissors, etc.). A claims adjuster determines coverage of your gear after carefully examining your policy. This coverage is not location-specific and works within the US and Canada. We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.

We do not offer an Equipment-only policy. We suggest you check with a local insurance agent or agency to see if an equipment-only policy is needed.

Does BBI insure my business property?

BBI offers coverage for the property belonging to your business starting at an additional $24. This coverage is designed to insure your tools, equipment, materials, and supplies.

Does BBI insure the building?

BBI offers Damage to Premises Rented to you. This is strictly for damages caused to your building. For the first 7 days it insures most types of damage. After the 7 days it insured only fire damage. We do not offer other types of building coverage. 

Can I increase my liability limits?

At this time we are not able to offer more coverage than our standard $2,000,000 per occurrence and $3,000,000 aggregate for the general and professional liability coverage. 
Liability coverage in not able to be increased at this time.
We are also not able to increase the limits on Damage to Premises rented. This is set at $300,000 and cannot be increased. 

Where can I purchase this policy?

Where can this policy be purchased?

This policy can be purchased in all 50 states in the US except for Missouri. This policy cannot be purchased in one of the US territories or anywhere outside of the US. The application is on the website and available 24/7. 

We apologize, we currently we do not offer a policy for individuals/businesses based in Missouri.

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Can I purchase this insurance in the state of Missouri?

Currently, this policy cannot be purchased by those who reside in the state of Missouri. We recommend looking for a similar policy from a local agent.

Policy coverage abroad

To purchase the policy the business must be located within the 50 United States , this policy is valid in:

• All 50 US states
• All US territories
• Anywhere in Canada

This policy cannot be used anywhere outside of the US and Canada.

I am not licensed in the state I want to work in, would I be covered in that state?

While this policy is designed to insure the policyholder in all 50 states, the policyholder must perform all covered services legally in that state. If the state you desire to work in only requires you to be licensed in their state, your services in that state might not be covered. We recommend speaking with a government official of the state you desire to work in to learn more about what they require of you to perform your services. 

Can I get this insurance if I am not licensed for my services in my state.

We require that your business is following all state and local laws. If a license is required for the services you render, it will be required to get this policy. Be sure to check with your local government business office to see if it is something they require of your business.

Where can I use this policy?

When it comes to the general liability portion of this policy, you can rest assured that it can be utilized anywhere in the USA and Canada, covering all of their respective territories, it is not location specific.

Pro tip: If there is an incident where a claim will be filed for theft or other crime, please make sure to get a police report as soon as possible.

Considerations to ensure coverage

Does BBI require patch testing?

While BBI does not directly require patch testing, if it is a standard in your industry or required by law where you are performing your services, it would be required by our policy.

Is there an age limit for face paint?

There is no age limit for the service provided. To insure a face painter, the face painter must be at least 18 of age to get coverage.

Subletting

The person subletting from you must obtain a policy for what they are doing. 

Automobile (auto or car) Liability Insurance

This article explains how this policy does not offer car/auto insurance.

Does Beauty & Bodywork insurance provide any automobile liability/car insurance?

At this time, we do not provide auto insurance. We recommend that all vehicle owners consider obtaining automobile liability insurance to safeguard themselves and others on the road.

What is auto/car insurance?

Automobile liability insurance is coverage that helps protect drivers from damages or injuries they may cause to others while operating a vehicle. It typically includes two main components

1. Bodily Injury Liability: This coverage pays for the medical expenses, rehabilitation costs, and legal fees of individuals injured in an accident where you are at fault.
2. Property Damage Liability: This coverage helps repair or replace property, such as vehicles, buildings, or other structures, damaged in an accident for which you are responsible.

Will the insurance cover follow-up appointments with a doctor?

The Beauty and Body Works (BBI) policy is a liability policy designed to insure your business against bodily injury or property damage to a third party (People who are not you, immediate family members, or members of your business). With this being said, if someone is injured due to your business and you file a claim determined to be covered, the policy is designed to cover their follow-up appointments with a doctor. If an incident occurs, please log in to your dashboard and click the "file a claim" button to start the claims process. A claims adjuster will soon thereafter be in touch with you to process your claim.

Is it important to have car insurance?

Given the importance of automobile liability insurance, we highly recommend contacting a local insurance agency to discuss and obtain an appropriate policy for your needs. Local agents are well-versed in the specific regulations and coverage options available in your area.

They will be able to explain the various types of automobile liability insurance policies, answer any questions you may have, and help you select the policy that best suits your requirements.

Remember, automobile liability insurance is typically a legal requirement in most jurisdictions and is essential for responsible vehicle ownership.

For further information or to discuss other insurance options we provide, please do not hesitate to contact us. We are here to assist you in any way we can.

What does BBI insure?

How to upgrade my policy to include more services.

Most covered services do not require an additional payment to upgrade. For upgrading your services to: operating a salon, personal trainer, cupping, microcurrent, and cyber insurance, login to your policy and click the "change policy options button", then select "purchase add-ons." For all other services, please send us an email to update your policy.

Insurance Options for Hair and Makeup Artists and Photographers

As a hair and makeup artist, it is important to have the right insurance coverage to protect yourself and your business. One option you can consider is the Beauty & Bodywork Insurance (BBI). This insurance provides general liability, professional liability, and other relevant coverages specifically tailored for professionals in the beauty industry.

However, if you also offer photography services, it is crucial to ensure that you have the appropriate insurance coverage for that aspect of your business as well. We have partnered with Full Frame Insurance, a provider that specializes in insurance for photographers and videographers. They offer comprehensive coverage starting at just $59, designed to protect you from potential risks associated with your photography business.

By securing the right insurance coverage for both your hair and makeup services and photography business, you can have peace of mind knowing that you are protected in case of unforeseen circumstances.

Can BBI insure exercise/dance/yoga based training?

For an addition $33 per year, BBI can insure exercise and dance training. Please see our exclusions list for what is not insured under this policy. The coverage limits are embedded within the existing policy limits.

Does BBI insure dermaplaning?

BBI insures dermaplaning.

Can I get insurance for a covered service even if I perform my services virtually?

Virtually providing covered services is okay with this policy. Please note this policy is not designed to insure instruction services. 

Does BBI insure massage?

BBI insures many forms of massage therapy. Be sure to check out our exclusions list to see if anything your business does is on that list. 

Does BBI insured bodywork?

BBI insures many forms of bodywork. Be sure to check out our exclusions list to see if anything your business does is on that list. 

Does BBI insure LED light related services?

BBI insures LED related services. 

Does BBI insure Sound Healing?

BBI insures sound healing.

Does BBI insure lash/brow lifting or tinting?

BBI insures lash/brow lifting and tinting.

Do you insure UV lash extensions?

UV lash extensions are covered under our insurance policy.

Cupping Coverage

We provide coverage for cupping treatments. You can enhance your policy with a cupping endorsement for an additional fee of only $35.

Is (insert service here) covered/insured by your policy?

Our policy is designed to insure the following services:

• Energy healing
• Face painting/ Face Painter
• Nano-needling
• Needleless Lip filler
• Hyaluronic Pen Filler
• Teeth whitening using LED or laser light
• Microdermabrasion
• Dermaplaning
• Ashiastsu
• Personal trainer services (+$33 to add on to your policy)
• Reiki is insured as long as it is in addition to another insured service.
• PEMF

Services that BBI insures that contain exceptions

Does BBI insure hair removal?

BBI insures hair removal as long as lasers are not involved.

Does BBI insure teeth whitening?

BBI insures teeth whitening as long as lasers are not involved.

Does BBI insure tanning?

BBI does insure Spray-on tanning. BBI does not insure any type of tanning booths or infrared tanning. If you offer tanning booth or infrared tanning services, we recommend seeking a local insurance agency.

Beauty & Bodywork Exclusions/Ineligible operations

While it’s the goal of Beauty & Bodywork Insurance to provide all beauty professionals with insurance, some businesses may fall outside of our program guidelines; at times, Beauty & Bodywork Insurance may deny coverage. You may be denied if any of the following exclusions apply to you or your business

The following operations are EXCLUDED under this policy

EXCLUDED COVERAGES

• Abuse
• Assault and Battery 
• Harassment or Sexual Conduct
• Molestation
• Lease hold
• Business interruption 

EXCLUDED PRACTICES (Customer is not covered for the following operations/products)

• Acupuncture (Optional Endorsement) - Acupuncture for inducing Labor, or used for IVF support in Hospitals is excluded
• Aerial yoga
• Any operation that requires a medical license
• Any procedure that punctures the skin (Optional Endorsement)
• Aqua therapy
• Body branding
• Body piercing or permanent body art or permanent make-up/PMU
• Body Sculpting
• 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,
• Ear candling/coning
• Electrolysis
• Endermologie
• Flower essence or herbal therapy
• Gua sha
• Hypnosis
• Laser treatments
• Manipulations or adjustments of the human skeletal structure
• Microblading
• Microneedling
• 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 devices for massage therapy, including electric massage chairs or vibration machines
• The use of inversion tables
• Training or application of micro-pigmentation, Black Henna
• Ultrasonic cavitation machines
• Permanent makeup including Microblading and Micropigmentation
• Powder brow
• Nanoblading
• Nano Needling
• Nano blading
• Breath Work (LET policy)
• Life Coaching (LET policy)

Consent forms

We do not provide any type of consent, permission, or authorization forms. Those are legal documents and would need to be provided by legal professionals.

Does BBI insure microneedling?

BBI does not provide coverage for any services which puncture the skin, including microneedling. We recommend reaching out to a local agency to insure laser operations.

Does BBI insure any operations using lasers?

Any action performed with a laser is excluded with our policy. We recommend reaching out to a local agency to insure laser operations.

What is not covered/cannot be added to the policy?

-Renters insurance is not covered.
-This policy does not provide coverage for selling products for retail.
-We do not provide a waiver.
-This policy is not designed to insure teaching classes on how to provide a service.
- This policy is not designed for Body piercing or permanent body art or permanent make-up/PMU

Does it cover/insure manufactured or repackaged products that were sold?

This policy is not designed to insure the products you or your business sell. If you make the products yourself, we recommend either HSCG or IBN. If you do not make your products, we recommend our trusted partner Insurance Canopy.

Does BBI insure any services involving high frequency machines?

BBI is not designed to insure any sort of services involving high frequency machines.

Does BBI offer coverage for infrared/red light services?

BBI does not offer coverage for any type of infrared related services. Please reach out to a local agency for this type of coverage.

Is Breathwork and life coaching offered on this policy?

Breathwork and life coaching are services offered by one of our partners By combining the power of intentional breathing techniques with personalized coaching, individuals can achieve personal growth and self-improvement.

For more information about their services and how they can support your business visit their website. Life Coach Insurance | Insurance Canopy

 Are powder brows insured?

Our policies do not cover the procedure of powder brows It is recommended to reach out to a local agent in your area to inquire about this service.

Is Nano needling/ Nano blading insured?

Our policy covers insurance for Nano needling/ Nano blading procedures This means that you can perform these treatments knowing that you are covered in case of any liability or unforeseen incidents.

Do you insure tooth gems?

We do not insure tooth gems service. 

Do You cover Tarot Reading?

Our policy is not tailored to insure businesses that provide tarot reading services However, we have a partner, Entertainment Insurance | Insurance Canopy, that specializes in providing insurance for entertainment businesses like yours. They can help you find the coverage you need to protect your business.

Do we provide CE courses?

Currently, our organization does not provide Continuing Education (CE) courses We are continually exploring opportunities to expand our offerings in the future, but at this time, CE courses are not available through our platform.

Do you offer loss of income coverage?

We currently do not offer loss of income coverage. We would advise to check with a local agent in your area.

Do you offer coverage for maternity leave? 

We do not provide maternity leave coverage at this time.

Hold Harmless agreements

Hold harmless agreements are not insurance documents but rather legal agreements designed to give the asking party some legal immunity from the signing party. They are often required by additional insured to be signed by vendors attending events, or otherwise renting locations. Because these are not legal documents, we are unable to provide them. We recommend reaching out to the party who is requiring them. 

Can this policy cover/insure acupuncture?

The base policy alone is not designed to insure acupuncture but it is something that can be added on. It starts at $499 a year or $43.57 a month. 

Can I use neon, UV, or special effects face paint?

As long as the face paint contains no ingredients listed on our exclusions page, we can ensure your business operations as a face painter.

Do you provide permeant jewelry coverage?

We do not provide permanent jewelry coverage as it is excluded from our services It would be best to check with a local insurance agent in your area to see if they offer this type of coverage. They will be able to provide you with more information on how to protect your business activity .

Does this policy work for acupressure?

BBI is designed to insure acupressure. 

Students

If you are a student studying one of the practices we insure, you are eligible to get our policy.

Does professional liability come with the policy?

Yes Professional Liability coverage is included in the coverage.

Does this policy come with the gear coverage?

Gear and Equipment coverage is not included. (Can be added to the policy for an additional fee.)

Is this policy designed to insure rental equipment?

This policy is not designed to insure any form of rental equipment. If you are planning to rent from a rental company we suggest finding a policy that is designed to insure rental equipment. We recommend seeking a local agency for such a policy.

Does this policy cover water damage?

This policy is not designed to insure "standing water" damage. What does "standing water" mean? Standing water is a term for a permanent or temporary body of water. This includes but is not limited to lakes, rivers, oceans, streams, floods, etc. 

LET policy

The following instruction/tutoring courses are not designed to be insured by Beauty and Body Work Insurance but can be insured through our trusted partner Insurance Canopy. 

• Acting
• Dancing
• Music
• Singing
• Writing
• Drawing
• Painting
• Crafts
• Photography
• Journaling
• Career Advancement
• Career Transition
• Interview Skills
• Job Search
• Entrepreneur
• Growing a Business
• Using SEO & Social Media
• Marketing
• Starting a Business
• Assertiveness
• Communication Skills 
• Self Confidence
• Time Management
• Work/Life Balance
• Relationship Building
• Getting Organized (declutter)
• Interior Design
• Lifestyle Design
• Personal Image
• Goal Setting & Achievement
• Motivation
• Productivity
• Public Speaking
• Elementary, Secondary, Post-Secondary, College tutoring
• Test Prep
• Continuing Education
• Professional Development
• Language
• Communication
• Customer Service
• Leadership
• Management
• Negotiations
• Project Management
• Sales/Marketing
• Team Building
• Public Relations
• Inner Peace
• Intuition
• Life Purpose
• Meditation
• Community interest
• Food Safety
• Cooking
• Life coaching
• Tutors 
• Mentors
• Access Consciousness/ BARS
• Acupressure
• Akashic Records
• Alexander Technique
• Angel Reading/ Card Reading
• Aura Healing & Aura Reading
• Barbara Brennan Healing Science
• BioMagnetic Code
• Breathwork
• Bodytalk
• Cardinal Method
• Color Therapy
• Craniosacral Therapy
• Crystal Healing
• Direct Divine Light Healing
• Eden Energy Medicine
• Emotional Freedom Techniques
• Energetic Healing (EH)
• Energy Balancing
• Energy Field Work
• Energy Tapping
• Esoteric Healing
• Havening
• Natural Bioenergetics
• Pranic Healing
• Polarity Therapy
• Quantum Access
• Quantum Touch
• Reconnective Healing
• Reiki
• Resonance Repatterning
• Rising Star Healing
• Rosen Method
• Seven Cups of Consciousness
• Shamballa Multi-Dimensional Healing
• Shamanic Healing
• Splankna
• Star Magic Energy Healing
• Sufi Spiritual Healing
• Tapas Acupressure Technique (TAT)
• The Practical Path® Medical Intuition
• Theta Healing
• TFT (Thought Field Therapy)
• Therapeutic Touch
• TOLPAKAN Healing Method
• Touch For Health
• Zero Balancing
• Verbal Modalities
• ARTbundance
• Energy Psychology
• Family Constellation Work
• Guided Imagery/ Guided Meditation
• HeartMath
• Hypnosis/ Hypnotherapy
• Integrative Quantum Healing
• Laughter Leader/ Laughter Yoga
• NLP
• Quantum Healing Hypnosis Technique
• Percussive Suggestion Technique (PSTEC)
• PSYCH-K®
• Rapid Transformational Therapy
• RoHun Therapy
• RIM Method
• Family Constellation Work
• Guided Imagery/ Guided Meditation
• HeartMath
• Summit Transformation
• Aromatherapy
• Art Therapy
• Biofield Tuning
• Flower Essence Therapy (ingestibles excluded)
• Raindrop Therapy/ AromaTouch
• SoulCollage
• Summit Transformation
• Applied Kinesiology
• Biofeedback
• Emotion Code/ Body Code
• Iridology
• NES Health (ingestibles excluded)
• Qest 4 (ingestables excluded)
• Essential Motion
• Feldenkrais Method
• Qigong
• Somatic Movement/Experiencing
• Somatic Personal Resonance Education
• T’ai Chi
• Amma Therapy
• Bowen Technique
• Clairvoyant/ Medium
• Numerology/Astrology
• Bodywork and Somatic Education (BASE)
• Core Energetics
• Reflexology
• Hawaiian Bodywork
• Kripalu Bodywork
• Qoya
• Spinal flow 
• Spinal Flow Technique (SFT)

Do you cover bubble artists?

While this policy does not insure bubble artists, we recommend going with our partner company, Insurance Canopy, for such a policy. 

Can you cover Spinal Flow or Spinal Flow technique (SFT)?

Spinal Flow Technique (SFT) or simply Spinal Flow is not designed to be insured by Beauty and Body Work Insurance but can be insured through our trusted partner Insurance Canopy. 

WHO IS AN INSURED

This article is what the policy states who an insured is.

1. If you are designated in the policy's Declarations page as the policyholder/Named Insured/individual technician. Unless booths are added on, the policy will only insure the individual policy holder.

Can I insure my team?

If you are a Salon or Spa owner and have selected the Salon/Spa policy, you may select the number of booths you have in your location. By adding "booths" it automatically insure your W-2 and independently contracted workers for the services they provide in your salon/spa.

Can I add a minor employee to my policy?

If you have an individual policy, no one else can be added to your policy. Also, this policy is not able to insure those under 18.

What coverages or policies can I get outside of the Beauty & Bodywork (BBI) website?

This article goes over what coverages/policies we can provide as well and coverages and policy that will need to be purchased outside of Beauty and Bodywork Insurance and it's partners.

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

While Beauty and Bodywork insurance does not offer workers compensation, our partnership team Insurance Canopy does. To get started, here is the link to the Workers' Compensation application: https://app.insurancecanopy.com/application/workerscompensation. One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we are not able to offer a price range for the policy.

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.

Coverages and policies that our partners and us cannot provide:

Is excess or umbrella available with Beauty and Bodywork insurance?

First, it is appropriate to quickly review what excess and umbrella insurance are. They both do the same thing by increasing the liability coverage the policy has. For example, if you purchased a policy with one million dollars per occurrence and two million dollars in aggregate but needed to increase one or both of those limits, an excess/umbrella policy would be the best option. The only difference between the two policies is that excess keeps all of the same policy terms as the main policy has, while the terms are slightly different from the umbrella policy. 

Now for whether we can add excess or umbrella coverage with the Beauty and Bodywork Insurance policy. At this time, we do not offer excess or umbrella options. If needed, try reaching out to a local agency to see if they would be able to offer additional coverage on top of this policy.

Can I get I increase the tools and supplies (Inland Marine) coverage through Beauty and Bodywork insurance or its associates?

At this time, we are unable to add on more coverage than the $10,000 offered. If more coverage is needed, we recommend seeking a local agency.

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