Manage your online account and policy documents

Do I have an online account?

With this 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 login button is located in the top right corner of the Beauty & bodywork webpage or you may click here: Login

Do I have more than one policy?

We allow one policy per email account at any one time. A new policy will be generated every time a policy has been renewed. If you have created policies for your employees (we do not recommend creating individual policies for your employees), they will be under their own accounts. To see your policy, please login to your dashboard.

Can I have two policies?

It is important to have only one policy in place to avoid any confusion or overlapping coverage To ensure you have a single policy, please follow these steps:

1.  Login to your account.
2. Select "My Policies" to view a list of your current policies.
3. Verify that you only have one policy listed. If you see multiple policies, contact us immediately.

 Do I have a policy?

To see if you have a current policy, please login to your dashboard. If it says you do not have an account, try another email address. If you are able to get into your dashboard, click on the "my policies" button to learn more about the expiration date of the policy.

Can I add a second location to my policy?

Since your policy is not location-specific, it can follow you to multiple locations as long as you are providing the same qualified services. If you are required to add a location by the landlord or event log into your account, select ''Add Additional Insured'', fill in their details, and proceed with the instructions.

What is my policy number?

Your policy number is in your dashboard, along with most of your policy documents. It consists of two separate numbers: the first one starts with "PL" or "S" and represents the master policy on which all of our policies here are based. The second one begins with "BWI" or "BBI" and is the certificate number (which is unique to your policy). When asked to provide the policy number by an agent, be sure to start with the certificate number.

Can I post date on when I move in the suite?

The policy cannot be postdated. However, we allow the policy start date to be changed to a future date before the policy goes into effect. Once the policy has gone into effect, there is not a way to change the start date.

Does my insurance offer any free perks at no extra charge?

To keep our prices the lowest possible, we do not offer any free perks at this time such as websites, continuing education, etc.

How do I apply for my salon shop license to inform the state that I have purchased insurance?

Applying for all licenses is to go through your state or local government. Your insurance information is available on your user account (dashboard) immediately upon purchase. To get to your dashboard, please use the login button at the top-right of your screen.

How do I find my proof of insurance/declarations (dec) page, additional insureds, and all other policy documents?

Your policy documents are in your dashboard, including your dec (declarations) page and additional insureds. Just so you know, the policy must be purchased to access your policy documents, and additional insureds must have been added to generate them in your dashboard. To access your dashboard please:

1. Click on the Login button located in the top right corner of the Beauty and bodywork webpage.
2. Enter your email address used to purchase the policy.

Does BBI have an app?

BBI does not have an app at this time but we are looking to creating one. All transactions are performed through our website.

How to Check if Your Insurance Policy is Active

Checking the status of your insurance policy is important to ensure that you are properly covered in case of an emergency or unexpected event. Here are some ways to determine if your policy is active:

Log into your account where you will be able to check if you have a current active insurance policy and past insurance policy documents. If you are experiencing any trouble, please contact us at 877-536-7290 or email [email protected]

It is crucial to ensure that your insurance policy is active to avoid any gaps in coverage. By following these steps, you can easily confirm the status of your policy and make any necessary arrangements if needed.

How do I log in to my account?

To log in to your account:

1. Click on the Login button located in the top right corner of the Beauty and bodywork webpage.
2. Enter your email address used to purchase the policy.

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 did not set up a password or 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 to get the BBI seal/brand/logo.

To get the BBI site seal, login to your dashboard/account and click the "add site seal to your site" button at the bottom of the page. You can either copy the code below the image and paste it in your website, or right-click the image and select "copy image."

How to update your address, email address, DBA, phone number, or website on your policy.

1. Log in to your online account.
2. Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
3. Look for the "Edit Personal Info" button and click on it.
4. Here, you can make changes to your first and last name, as well as your address.
5. After making the necessary edits, click the "Save" button to submit your changes.
6. The new information will automatically update on your account and policy documents.
7. If you do not see the updates reflected on your documents, try refreshing the page and checking again

How to update your name, business name, or business type on your policy.

To update your name, business name, or business type, please email your request to [email protected]. We will need your policy number along with your request with the correct information. Please allow up to 5 business days for this to process.

I can't edit my personal information.

Some personal information can be edited in your dashboard and some cannot. Here is a list of information that can be edited in your dashboard

• Address
• Email address
• DBA
• Phone number
• Website

The following information can only be edited by an agent after an email request has been made:

• Your name
• Business name
• Business type
• Description of operations information

Checking for updates to your policy

To check your policy for updates, please log into your dashboard and verify that the requested updates have been made. If you submitted an email request for changes to be made please note, that these changes can take 7-10 business days, and our email team will respond to your email when completed.

Who is my agent?

Our agents work as a team to ensure our customers are taken care of in a timely manner. We do not assign agents to a given policy but work together to take care of you.

How do I ensure my information is correct on the proof of insurance (insurance proof)?

Your name or company name will be on the document under "Certificate Holder." Your address, policy/certificate numbers, effective dates, and limits will also be on there. If your Name (or business name) or address is incorrect, please send us an email at [email protected] to request that this be fixed. Please give us your policy/certificate number and the information that needs to be changed. 

I changed my personal/sole proprietor name, business name and type, how do I update that?

To update or correct your name or your business name and type (Sole proprietor/Individual, LLC, Corporation, or Partnership), you can email [email protected]. Please include:

1. Your name
2. Policy number
3. New business information
4. An agent will update it for you.

Please keep in mind that these policies are non-transferable. If you sold your business or the business ownership has changed, the new owner would need to purchase their own policy. The new business owner would fill out a new application on the website to purchase a policy. This policy cannot be transferred to a different individual, or business owner.

How do I change the date of my policy after I already purchased?

Once a policy has been purchased, please email [email protected] to inquire about changing the policy start date. If the policy is already in effect, the policy start date cannot be changed. The policy would need to be canceled and purchased new.

My Account was Marked Inactive, What Do I Do?

 If your account has been marked as inactive, the first step you should take is to contact our customer support for assistance. Our team can help reactivate your account promptly. You can reach out to them through the following methods:

• Email: [email protected]
• Phone: 877-536-7290

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

Your policy documents and receipts are under your dashboard's "My Policies" button. Double-click on the document to download and/or print the document. Expired policies can be viewed on your account under My Policies. For specific questions about your current or renewing policy, please contact us at 877-536-7290 or email [email protected].

A copy of your current or expired policy (policies) can be found on your online account.

How to find my old password?

Your old password is either the last password you created or the temporary password that was created by an agent.

How to refer someone to BBI?

At this time we do not have a referral program per se. Our Strategic Partnership team can create partnerships between us and landlords and events. If you are looking to share our information with a friend, feel free to give them our website: https://www.insurebodywork.com/

Endorsements

What is an endorsement?

An endorsement is an add-on to your policy.  Often this will be a requirement from a client or Additional Insured/Certificate holder that you may do business with. For adding an Additional insured/Certificate holder we use a standard ACORD form called a Certificate of liability (COI).

What are the endorsements that you offer?

Additional Insured/Certificate Holder endorsement options:

• Landlord/Employer (Designated Person or Organization (CG 20 26))   - The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Event/Show - This endorsement is designed to add the event or show your business is participating in. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Additional insured, Owners, lessees, or contractors -  The CG 20 37 covers the additional insured with respect to liability caused by your completed operations. 
• Additional Insured – Managers or Lessors of Premises (CG 20 11) 

How do I add an additional insured?

1. Login to your dashboard (ie your online account)
2. Click Add landlord/employer/event
3. Select the Additional Insured type: Landlord/Employer, Event/Show
4. Fill in the Additional Insured name and address with the information of the person requesting the additional
   insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email
   immediately upon submission.
6. If the description of operations needs something in it, that can be emailed to us: [email protected] *It can take up to 3-5 business days to have that updated*

How do I get an additional insured (AI) or Certificate of Insurance(COI)?

If you have not added the additional insured already log into your dashboard and click "add landlord/employer/event" Simply fill in the boxes with the Landlord or event's name, address and email.
If you have already done this and are looking for your additional insured, they are located in your dashboard in the "Documents" section.

What information should I list when searching for events?

When searching for events to add as an additional insured, use their company name they want listed as an additional insured. If this does not help find them, go ahead and add their information in the boxes below to add them.

How much does the additional insureds cost to add on?

Additional Insureds (AIs) are $15 each for the first two certificates and then unlimited (free of cost) after paying a total of $30.

Important disclaimer for additional insured: An additional insured is not designed to add members of your team, contractors, employees, friends, or family. Adding additional insureds includes landlords, studios, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. 

What is an additional insured?

Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

Other names additional insureds go by:

• Certificates of insurance (COI)
• Acord forms
• Certificate
• Certificate holder

Here is a sample of the Certificate (COI) provided once an Additional Insured is added. Certificate of Insurance sample

After I have added an additional insured, how do I get a copy of my additional insured document?

To obtain or generate a Certificate of liability (COI) please add an Additional Insured. Once an Additional Insured is added, a certificate of liability (COI) will generate on your online account and also be emailed to the email provided. The COI will be listed under the Download documents section and also under My Policies.

How do I add new additional insureds during the application process?

The additional insured can be added during the application process. Once the policy has been purchased, the additional insured can be retrieved in the online account/dashboard.

What is not an additional insured?

An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is the "description of operations?"

The description of operations enables you to add more information about the additional insured that cannot fit under the "certificate holders" box. For example, multiple other additional insureds, event dates, or other information regarding the event or landlord.

How do I add verbiage/text in the description of operations?

Occasionally, the certificate holder requests additional verbiage to be added to the description of operations section of the certificate of insurance (COI). When this is the case, please add the additional insured and send us an email with the requested verbiage to [email protected]. If you are unsure how to add an additional insured, please mark this response as helpful and then ask, "How do I add an additional insured?" Please allow 3-5 business days for this information to be updated.

What verbiage/information should be placed in the description of operations?

The certificate holder will be the one requesting if anything should be added to the operations description. If they are requesting to have something added to the description of operations, please add them as an additional insured and send us an email with the needed wording to [email protected]

The event wants the description of operations to be written specifically how they want it. Is this possible?

Depending on the verbiage the event wants on the certificate, we may be unable to add it. Please send us an example of what they are requesting to [email protected] and one of our agents will take a look.

How do I edit my certificates/additional Insured (s)?

To edit your certificates, please send us the following to [email protected]:

• Your policy number. It will start with "BWI"
• The name of the certificate that needs to be changed
• An explanation of the changes that need to be made

If there is a need to remove an additional insured from a renewing policy, it can be done by simply logging into the policy and clicking on the update button, edit Additional insured. This action must be taken within 30 days of the policy's renewal date.

Removing/Deleting an Additional Insured (Employer, Landlord, Venue, Event) from your policy 

Once an additional insured is added to your policy, they cannot be removed until the policy is up for renewal This is done to protect you in case a claim arises from any events where the additional insured was included.

To remove an additional insured from your policy, follow these steps:

1. Wait until your policy is up for renewal
2. Within 30 days before the renewal, log into your account
3. Select ''Update renewing policy'' option

By following these steps, you will be able to remove the additional insured from your policy.

How to change an additional insured.

An additional insured cannot be changed per se, but new ones can be added. Obsolete additional insureds can be removed from the renewing policy within 30 days of the policy's renewal date.

Can additional insureds be removed?

Additional Insureds can only be removed when the policy is renewed. Once an additional insured has been added, they become a part of the policy they were added to. However, in the case of a policy that is automatically renewing, these additional insureds are automatically included in the new policy.

Why does my personal/home address show on my COI instead of my business address?

The policy is not location specific so only your physical street address will show on your policy documents and COI's. If you want your business address to show instead, you may edit that from your online account.

How do I remove coverages, endorsements, etc from my policy?

All changes to remove coverages, endorsements, etc from your policy can made to your renewing policy 30 days before your policy is set to renew. To make these changes to your renewing policy, please:

1. Login to your dashboard 
2. Click the "edit renewal" button.

I need a Loss Run history (AKA Loss Run or Loss History) Report.

Please email this request to [email protected]. We will need your policy/certificate number, name, and number of years you need this report on.

Which Endorsements can be added after purchase for an Additional Insured/Certificate holder?

There are multiple endorsements that can be added to the additional insured endorsements at an additional cost. Here is a list of those endorsements, along with their additional costs:

The Primary Noncontributory endorsement (CG 20 01) costs an additional $20. The “primary and noncontributory” wording your insurance must pay first (primary) without seeking the additional insured's liability insurance to pay (noncontributory). In short; if there was a claim where both the insured and additional insured parties were involved, this policy would pay first. If the payout were to reach this policy's limits, the additional insured's policy would begin to pay.

The Waiver of Subrogation (CG 24 04) is an additional $20. A waiver of subrogation is a contractual provision whereby you waive the right of your insurance carrier to seek redress or seek compensation for losses from a negligent third party (additional insured).

A Loss Payee (Rented Equipment Excluded) is an additional $25. A lenders loss payable endorsement is a commercial property policy endorsement that gives a creditor of the insured that has loaned money in connection with the insured's personal property the same rights and duties that a mortgage clause gives a mortgagee.

How do I add a primary noncontributory, loss payee, or waiver of subrogation endorsement?

1. Please log in to your account.
2. If you have not already done so, add the additional insured.
3. Click on the "My Policy" button.
4. Then, click on the "Add Endorsement" button.
5. Select the endorsement you desire.
6. Fill out the required form.
7. After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

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.

These endorsements may be added to your policy on the application or any time after purchase from your online account.

To obtain the Cyber liability endorsement, it is an additional $79. Cyber insurance is designed to protect the policy holder's company from:

• Data Breaches
• Malicious codes on your computer systems
• Unauthorized access to your - *computer system
• Ransomware
• Extortion Threats
• Fund Transfer Fraud

How can I add the cyber liability coverage to my policy?

1. Login to dashboard.
2. Click the "Change policy options" button.
3. Select the coverage needed and submit.

Do you provide a waiver of subrogation or primary non contributory? 

A waiver of subrogation or primary non-contributory can be added to your additional insureds in your dashboard. 

What are some endorsements or other policies that cannot be added through this website but are an option through some of the partners of this brokerage?

Can I add a worker to my policy?

If your policy is set as an individual policy, BBI does not allow another worker to be added. They will need their own policy. If you have a Salon/Spa policy, another seat could be added to insure all of your workers.

If I have someone working under my company name, do I need to add them to my policy?

If you have someone working for you, they will either need their own policy (if you have the individual policy), or they will be insured as a booth renter (if you have the Salon/Spa policy). If you have a salon/spa policy, ensure you have enough booths on your policy to equal the amount of booths you are renting.

If I have a sole proprietor/individual policy, how can I add my workers?

If you have a sole proprietors/individual policy, your workers cannot be added to your policy. Your workers will need to get their own policy or you will need to upgrade to the "salon/spa" policy during your renewal period.

Workers compensation (AKA Workers comp or simply WC)

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. 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.

Renewal questions

Is my policy going to renew/restart?

When you purchase an Annual policy, you are automatically enrolled in the auto-renew payment option or EZ-Renew.  If you want to turn off the auto-renewal payment option, that can be done any time after purchase by:

1. Login into your Dashboard
2. Click the: My Policies" button
3. Scroll down to the bottom of the page to the "EZ renew" section
4. Cancel EZ-Renew.

How do I make changes to my renewing/restarting policy?

Your policy can be renewed 30 days before its expiration date. During the 30-day period, an "Update Renewing policy" button will appear at the top of your Dashboard. Click on the button to edit your renewing policy.

How to Change Your Renewal Date?

1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy". 
3. The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
4. Your renewed policy documents will be emailed to you and also available from your Dashboard.

Can I renew/restart my policy early?

Yes, you may renew your Annual policy early. Here's how to do that:
1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy". 
The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
3. Your renewed policy documents will be emailed to you and also available from your Dashboard.

For specific questions about your current or renewing policy,  please contact us at [email protected] or call us at 877-536-7290.

How do I renew/restart my expired policy?

If your policy has expired, the steps to renew will be the similar to purchasing a new policy. Here is how to renew your expired policy:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

Issues renewing 

If you are having issues renewing your policy it could due to one of the following reasons:

1. Automatic payment failed and you need to update payment information.
2. Information provided for the renewal is incomplete or incorrect.
3. Issue with an application such as date on the application is incorrect.
4. Temporary system issues on our end, in which case please wait and try again.

You may contact [email protected] or give us a call at 877-536-7290

Can Veracity or Beauty and Body Work Insurance rerun my card after it is been declined?

If your policy fails to renew, we cannot rerun your card due to legal and moral implications. If you had an annual policy, here is how to renew:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

If you have a monthly policy, here is how to make your payment:

1. Log in to your online account
2. Click on the "Make payment" or "resubmit" button.

The policy says it is expired, when will auto renew?

Once the policy has expired, the auto/EZ renew will no longer work. This happens when the bank declines the transaction. The bank may decline a transaction for reasons other than lack of funds, such as security. We recommend speaking with them about this transaction. In the meantime, renewing your policy is simply done by logging into your account and clicking the "renew" or "add a policy" button.

What is my expiration date?

The expiration date is located in your your dashboard by clicking the "my policy" button.

Can you run/rerun my payment?

Because of laws and moral reasons, we cannot run or rerun your card on our end at this time. Your card can be run or rerun in your dashboard.

Can I back pay a policy that has lapsed?

Policies that have lapsed can be renewed and back paid if it has been less than 14 days since it expired. Please send us an email with your request. You will be required to fill out a "No Known Loss Letter" and make the payment.

Policy renewed/restarted for more than expected

Before a policy renews, we send an email about how much it will be renewed for. If this amount is more than expected, almost every time the policy amount shown on the email is correct. Here are the top reasons why a renewal cost might look different than expected:

• A change in the taxes the state was charging. This can cause a relatively small difference in price.
• A coverage was added during the expiring policy that is being carried over to the renewing policy.
• An additional insured was added during the expiring policy period and is being added to the renewing policy.
• From time to time our prices to go up. This would be indicated in an email. 

If a coverage or additional insured was added during the expiring policy period, it can be removed from the renewing policy in the dashboard. If that was not the case, look in the dashboard at the policy to see if there is any other apparent reason why it could have gone up. If you are still unable to see a reason, please send us an email or give us a call.
877-536-7290, [email protected]

Billing questions

General

Why do I have a (insert amount here) charge on my account?

If an unexpected amount was charged to your account, please take a look at your dashboard for more details. If you are not able to find the desired information, please ask for an agent on this chat during normal business hours to be transferred to a live agent.

If you did not expect your policy to renew, please note EZ Renew is a standard feature with our policies for your convenience. If you did not intend to use EZ Renew and no longer need the policy, please send us a cancellation request to [email protected] and we will process your request. Please note that it generally takes 7-10 business days to get a refund.

Is customer billing information stored in the Beauty and Body Work/Veracity's system?

Customer billing information is stored in Authorize.net's system. Authorize.net specializes in credit card security. We employ them to ensure our customer's billing information remains secure.

How to update the billing information.

To update your billing/payment information, login to your account/dashboard and click on the "payment profiles" button. From there, you can view your billing information and make any changes needed.

Can I put my policy on hold for any reason?

The policy will remain in force until its expiration. There is no way to put a policy on hold. However, we recommend turning off the EZ renew feature if you do not want the policy to renew. If you are on a monthly option, please send us an email to [email protected].

When is my bill due?

To learn when your bill is due and for how much, please login to your account and click on the "my policies" button. 

Current and previous payments

To see and/or obtain a history of all of your payments, please do the following:

1. Login to your account by clicking the login button at the top-right of the website.
2. Click the "My policies" button
3. Select the desired policy
4. Scroll down to the "Payment history" section
5. An invoice can be downloaded by clicking the "Invoice" link

Monthly billing/policies

Do you have a (insert number here) month policy?

Our policies are annual policies with the option to pay monthly. The policy can be canceled at any time, but please note that we do collect the first and last month's payments upfront, along with any taxes and fees. If you wish to cancel your policy, please send us an email with your policy/certificate number and your request to [email protected]/

How do I change or cancel the card listed on my employee's policy?

Because the policy belongs to your employee or former employee, they will need to be the ones to remove that card. We recommend reaching out to them to have them remove the card from their account. This can be done by logging into the account and going to the bottom of the page where it says "payment profiles." From there the card can be changed to their card information. If they need to cancel the policy, please have them send a request from their email address to [email protected]

Can you change the billing date?

The monthly billing date is the day of the month that the policy was purchased. At this time, we cannot change the monthly billing date.

Claims

How can I file a claim?

To file a claim please follow these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to [email protected].

How to know what the policy is designed for and what it is not designed for.

Your business insurance policy is specifically designed to meet your business's liability needs. This means that if, during your business operations, your business is held responsible for causing damage or injury to a third party, and the policy does not exclude such activities, you will have coverage for such an incident. Your policy is designed to fulfill the liability needs of your business. This means that if, during your business operations, your business is responsible for the damage or injury of a third party, allowing the policy not to exclude such activity, you would have coverage for such an incident.

Does BBI cover weather related incidents?

BBI offers coverage for may types of weather related incidents but does have some limitations. If a weather related incident has occurred and you have suffered a loss, please login to your dashboard and file a claim as soon as practical. If a weather related incident has not yet occurred but you have questions about coverage, please refer to our sample policy.

Claims questions on the application.

The following are exclusions in the policy and will make the applicant ineligible to get the policy if applicable:

• Any insured that has been canceled or non-renewed in the past 3 years.
• Any insured that has had any claims exceeding $5,000.

Cancellations

Can I stop or pause my policy?

We do not have the option to pause your Annual policy; While we cannot pause the policy, it can be canceled by you at any time.

Can I cancel/withdrawal my policy at any time?

Your policy can be canceled anytime by sending an email to [email protected]. The email must be sent from the email address used to log into the dashboard online. Please include your:

• Full name
• Policy number, and request to cancel. 

How to cancel/withdrawal a renewing policy

If your policy expires soon, we offer the option to cancel your automatic renewal (Your policy may be enrolled in the EZ renew/automatic renewal). This can be turned off any time before your policy renewal date. To cancel EZ Renew please follow these simple steps:

1. Login to your dashboard (your online account)
   Note: The "Login" or "My account" button is located in the upper right-hand corner of our website
2. Click the “My Policies” button in the “Manage Policies” section
3. Scroll down to the bottom to the EZ Renew section
4. Click the “Cancel EZ Renew” button
   *If this does not work, please send us an email to [email protected] with your request to cancel your EZ Renew.

How to cancel/withdrawal a policy that just renewed

Policy just renewed and I want to cancel - 

If the policy just renewed within 10 days of today, please do the following:

1. Login to the dashboard
2. Click the Change policy options page
3. Click the request cancellation button

If that option is not available or does not work, send an email to [email protected] with your name and policy number. Your request will be processed by our Cancellation team.

How do I cancel my policy?

We are sorry to see you go and hope that you return soon. You can conveniently request a cancellation through your dashboard:
1. Log in to your account. This is done by clicking either the “Login” or “My account” button located at the upper right hand corner of your screen. If you forgot your password, please select the "Forgot Password" link to reset it through your email
2. Click the “Change Policy Options” button in the “Manage Policies” section
3. Select "Request Cancellation"
If this does not work, please send us an email to [email protected] with your request.

Cancellation/withdrawal Policy

Please keep in mind that this policy is 100% earned and non-refundable. Cancelation requests are reviewed and processed by our Cancelation team. 

The policy is 100% earned with no refunds.

Policy was cancelled/withdrawaled because we were looking for more information

If your policy was canceled because we were looking for more information, please email us at [email protected] so we can review it further. 

 

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