About Beauty and Bodywork Insurance (BBI)

Beauty & Bodywork Insurance is a legitimate online insurance policy designed to help beauty and bodywork professionals nationwide. The annual policy starts at just $96 a year or $9.99 per month. This is the high-quality, low-cost insurance you need to create a financial safety net for your business. We've helped thousands of individuals and business owners protect their businesses from the cost of claims. The policy is managed by Veracity Insurance Solutions. Great American Insurance group is the insurance carrier for Beauty and Bodywork insurance.

On this website we also have a Salon & Spa policy which protects up to 10 stations at once. On the application you would select the number of stations in your location up to 10 booths. The Salon & Spa policy starts at $349 or a fee of $31.08 per month.

Once you purchase your policy through this website, it will become active on the date you selected during the application process. After verifying your payment, the policy documents will be automatically emailed to you. You'll then be able to access your user portal to view and print your insurance certificate and documents. Additionally, you can add additional insured parties and manage your account online around the clock. The policy will activate on the date you selected on the application, and policy documents will automatically be emailed to you after the payment is verified. You will have access to your BBI user portal, where you can view and print your insurance certificate and documents and add additional insureds while managing your account online 24/7.

What rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Great American Insurance Group. Great American is an A+-rated insurance provider known for its financial stability and excellent customer service.

What type of policy is this...claims made or occurrence form?

Beauty & Bodywork insurance isa claims made policy. Under the “claims-made” form policy, it provides coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful act that gave rise to the claim took place. For this type of form you would want to ensure there is no lapse in coverage. 

A claims made policy may cover a claim provided it meets two criteria:
• 1. You are insured when the claim is made. If you no longer need coverage, you can purchase a “tail” to protect you for the past.
• 2. You have continually renewed the policy from the time the incident occurred until the time the claim is made.

What do we do with your email?

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have filled an application, you will agree to our email/phone use statement. If you have completed the first step of an application, provided Beauty and Bodywork Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application.

You can unsubscribe from Newsletters & Misc. Marketing Emails by clicking the unsubscribe link at the bottom of the email.

Does BBI have an event policy?

At this time, BBI does not offer an event policy. We do offer an annual policy with monthly payments. If you are looking for an event policy, we recommend trying a local agency.

Does BBI have event insurance?

BBI neither has a policy for event hosts (go to www.theeventhelper.com) nor a short-term policy for vendors. The closest thing we have for a short-term policy is our monthly payment plan.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the number (877)536-7290.

Chats - The chat feature is currently being used. The chat  We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours. 

Email - For all policy changes or things that are not urgent, sending an email will be the smart way to communicate. Please allow one business day for a reply from one of our email agents. [email protected]

Business hours

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Do you have a location near me?

At this time we are a company who does not have any locations open to the public. All of our policies are purchased online but we are happy to help you via chat, email, or phone.

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policyholders once a policy has been purchased to allow them to manage their policy and access their documents. The log-in button is located in the top right corner of the BBI webpage, or you may click here: Login

How do I log in to my account?

To log in to your account, click on the Login button located in the top right corner of the BBI webpage. Enter your email address used to purchase the policy.

How to create an account.

An account is created when the application has been partially filled out. Once you have added your email address on the application and gone to the next step, an account will have been created. The account and username is based on the email address. 

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do I Reset my password?

If you need to reset your password:
1. Click on Forgot Password.
2. Enter your email address
3. A link to reset will be sent
4. The new password must have at least eight characters.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under "My Policies." Double click on the document to download and/or print the document.

How do I add employees to my policy?

For the Spa and Salon policy, you will select how many booths you have in your Spa or Salon. You will not need to add Employees/ Independent Contractors through your policy term because this policy is set up to insure whoever is working in that booth.
For individual policies these are meant to be only for individuals, and employees/contractors cannot be added. 

For specific questions about your current or renewing policy, please [% Contact Beauty & Bodywork Insurance %]

So you want to get started with the purchase of your policy. Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is simply not the case. It would be impossible to list every single scenario where a claim could be made. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, the people this policy intends to insure are those in the beauty and bodywork profession. Then, the policy begins to cut out and exclude certain groups of people from that main group of people. With the BBI policy, the following operations have been excluded:  

To purchase this insurance policy, you must be at least 18 years of age. Minors are not eligible to be insured on this policy.

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

• Acupuncture (Optional Endorsement)
• 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
• 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- Are not able to insure electrical current devices for hair removal. We offer insurance for waxing.
• 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 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

I have an upcoming job.

If you need insurance for your upcoming job, go ahead and click the "buy" button to get started. The application is simple and will give you the price of your policy based on your selections.

Does BBI work in Canada?

BBI customers be residents of a US state (except for Missouri). Once purchased, it can be used anywhere in the US and Canada.

What is required in my state for the services I provide?

We are unable to inform you what your state requires a business that provides the services your business provides as this is legal advice. We are happy to go over the policy with you. For help regarding the state and local laws of your industry, please reach out to your local business government office.

What does BBI require on the application?

We do not require proof of your licensed profession (such as license numbers or documents). All we require is that you follow your state laws and regulations to obtain this policy. It is your responsibility to ensure that you are compliant with all legal requirements in your industry

Where can I get more information about what is on the policy?

The best place to get information is from the policy. We offer a sample policy here. We invite those interested in the policy to go over the policy and ask our agents if there are any questions. Our website is also full of information.

I am trying to purchase a license.

While we do not sell licenses here (those are purchased through your local government), we do sell insurance policies. If you have questions about purchasing our insurance policy, please let me know.

Where do I add my license number on the application or policy?

We do not require your license number.

What are some of the timelines regarding the policy?

1. It takes 5-10 minutes to purchase (order time). Your payment is withdrawn immediately when the application is submitted.
2. It takes less than 5 minutes to access your policy documents or to make changes to your documents through your dashboard.
3. Our Typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

The annual policy can be purchased within three months of the start date. The payment is taken when you submit your application, and coverage begins on the date you choose. We are in the process of making this policy available up until the master policy renews.

How long is this policy good for?

The Annual policy is good for 12 months from the start date you choose on the application. The policy can be paid for in full or with monthly payments.

What if I need coverage for only a week? What would be the best option for me?

We do not offer a short term policy at this time.

How to purchase Beauty and Bodywork Insurance

How do I purchase the policy?

To purchase a Beauty and Bodywork policy or to get a quote, click on any "Buy/Buy Now" button to get started.

Buy

1. Click on Buy Policy/Buy now
   You will then be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, view your quote and select purchase policy. You will be charged once you submit your online application.

On the application, the Policy Holder Information will be your information or the name of the individual/business that needs to be insured. A minor cannot be insured under this policy. Only the individual technician listed as the policy holder will be insured. 

Can I get coverage over the phone?

Our policy cannot be purchased over the phone. To get started, please visit our website and click the "buy" button. Once the policy has been purchased, you can manage almost all of your policy needs through your online account/dashboard. If you have more questions about how to purchase or manage your policy, please post them here for a quick response.

I am trying to purchase insurance, and it says I can not purchase a policy at this time.

If you are getting an error message saying this policy cannot be purchased at this time, there are some scenarios that could cause that to occur. Let's go over some of these scenarios.

• The policy is being purchased out of the state of Missouri. - At this time we are no longer able to offer this policy to those in the state of Missouri. We recommend trying a local agent if this is the case.
• The application is down. - If this is the case we recommend trying again later.
• Incorrect information was put in the application incorrectly. - Be sure to check the application to ensure all of the information is correct.

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation, and/or Partnership/Joint venture business type. If you do not have a registered business, your business type would be an Individual/sole proprietor.
If you change the structure or business type of your business after the policy has been purchased, an agent may update that for you by emailing [email protected].

Pricing/payment information

How much does the policy cost?

The Annual policy starts at $96 for an entire year or $9.99 per month. To get started with the application, click the "Buy" button for the desired policy anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase.

• Starting at $96 a year, we offer our annual policy. This policy will give you a full 365 days of coverage from the policy start date. 

The application is quick and simple. If you get stuck on a question, please do not hesitate to reach out.

What is the total cost of the policy?

The Annual policy starts at $96 for an entire year or $9.99 per month. Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance.

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on the selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed user-friendly applications. The application calculates the policy's appropriate cost based on your selections. Our applications have proven to be efficient in providing accurate price assessments. Click here for the annual policy application.

What is the Salon/Spa Owner Fee?

The Salon/Spa Owner fee is a charge for the booths you will be insuring in your Salon/Spa. The price of this is dependent on how many booths you have in your Salon/Spa. 

How do I know if the payment went through/if the policy has been purchased?

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Do you offer monthly payments with the annual policy?

Yes, the monthly payment option starts at $9.99 per month. 

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

Can my price go up?

A policy's price can increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the policy's price may be adjusted at renewal. However, it is important to note that the price of a policy cannot increase during the period it covers. When a price increase is about to occur, we inform our policyholders through email in advance.

What types of payment do you accept?

We accept debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, or payment information provided over the phone or email.

Rest assured that your payment information is securely processed through our encrypted payment gateway. Your sensitive data is protected to ensure a safe and secure transaction every time you shop with us.

For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information provided matches the details associated with your card to prevent any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

1. Login to your dashboard (AKA your online account)
2. Click the “Payment Profiles” button under the “My Profile” section
3. Click on “Update” to add a different card to your account or to modify an existing card OR
   Click on “Add new card” if you would like to add a card to your account
4. Enter Card information
5. Click the Submit/Update button
   *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

I was Double Billed/Charged twice.

I am sorry to hear about this. Please reach out to an agent directly so we can look into this for you as soon as possible. 

How do I change my policy start date?

We are able to change the start date of a policy as long as your policy has not started yet. To request this change please email [email protected]. Be sure to include your policy number, and the updated start date.

Do you offer discounts/coupons/promo codes for your policy?

Due to the affordable nature of our policies, we do not have any discounts/coupons/promo codes available. If you are working with a partner of ours they may have one available to use, and you can reach out to them to get one. If you have a promo code from a partner of ours, please contact them to verify if it is correct. Sometimes with partners promo codes they will require you to add them as an Additional Insured to see the discount on the policy. 

I have a coupon, but it is charging me more than anticipated.

Many factors go into the pricing of the policy, including the cost of the policy itself, taxes/fees, additional insureds/other endorsements, and more. Also, please note that we only give coupons to our partners, who then distribute the coupons to their tenants or other people they work with. We caution people from searching the internet for coupons as there are many scams on those types of websites. If you have questions about the price it is showing on the application, please review the application for a list of what is coming with the policy. If you have further questions about this price, please ask for an agent in this chat during normal business hours.

[% Contact Beauty & Bodywork Insurance %]

 Career Opportunities at Veracity.

If you are interested in Career opportunities with us please visit https://www.veracityinsurance.com/careers to look for current openings.

What is the UTA fee?

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us. It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. An additional benefits section on the customers' dashboard will have a PDF with benefits and discount codes exclusive to UTA members. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.