COVERAGE

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 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 
• 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)
• Horse massage is excluded. (Animal massage is ok for small domestic animals)
• Horse Yoga ( Yoga with small domestic animals (cat, dog, goat) is acceptable)
• Neveskin

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.

Are wet rooms, Jacuzzis and saunas insured/covered?

The BBI policy is designed to insure the beauty and bodywork services that you offer. The policy is not designed to insure people using wet rooms, Jacuzzis or saunas.

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.

Does BBI cover schools or teaching techniques?

BBI is designed to insure the policy holder for teaching classes to those who will be using the information presented for personal use only. If the information presented is intended to be used for commercial purposes, the policy is not designed to insure such classes.

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?

We regret to inform you that this particular coverage is not included in our policy offerings. To find a solution that meets your specific needs, we recommend reaching out to a local insurance agent in your area.

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

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.

New Customers

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.  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.

Does BBI insure temporary events?

BBI is designed to insure those in the beauty and body work industry. Our policy includes affordable annual and monthly payment options. If you are in this industry and are not hosting an event, the monthly payment option is available. Please note we collect the first and last payment upfront. If you are looking to host an event, please go to: www.theeventhelper.com

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, please reply to this email.

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. 

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 
• 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 need to purchase a policy, please click the "buy" button to get started. If you have questions about purchasing our insurance policy, please reply to this email.

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 replying to this email.

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. If you need to change your policy start date and have already requested to do so, please allow up to 3 business days for us to make the change. If you need to but have not yet done so, please reply to this email. 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.

 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.

Current customers

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 through our chat system on the website or at 877-536-7290.

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 reply to this email if you have not already requested the change. We will need your policy number along with your request with the correct information. Please allow up to 3 business days for this to be completed. 

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 you have made a change request already, please allow up to 3 business days for us to complete your request. If you have not made this request, please reply to this email. 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), please reply to this email if you have not already made the request. 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?

If the policy is already in effect, the policy start date cannot be changed. The policy would need to be canceled and purchased new. If the policy has not yet started and an email request has not yet been made, please reply to this email with your request. If you have already made the request, please allow 3 business days for us to complete the request.

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. If you have not already made the request to activate your account, please reach out to us through the following methods:

• Replying to this email
• Chat
• 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 reply to this email, contact us through our chat system or via phone at 877-536-7290.

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, please reply to this email with that information if you have not already emailed it. It can take up to 3 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 reply to this email with that information (if you have not already sent it). If you are unsure how to add an additional insured, please respond to this email and ask, "How do I add an additional insured?" Please allow 3 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 section, please add them as an additional insured reply to this email with the verbiage they are looking to be added. If you have already requested this via email, please allow us 3 business days to respond to the email.

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. If you have not already sent us this information, please send us an example of what they are requesting by replying to this email and one of our agents will take a look. Please allow 3 business days for us to respond to your request.

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

To edit your certificates, please reply to this email (if you have not already sent this information) with the following information:

• 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. If there is was a typo or error on your document please send reply to this email with the correct information.

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.

We will need your policy/certificate number, name, and number of years you need this report on. If you have sent us a request with the above information, please allow us up to 5 business days for us the process that request. If that information has not been provided, please reply to this email with that information.

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 by replying to this email, through our chat system, or by phone.

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.

For specific questions about your current or renewing policy,  please contact us by replying to this email, through our chat system, or by phone 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 reply to this email, via chat, or give us a call 877-536-7290

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/insure the policy holder for injuries they sustain while working?

BBI is designed to insure the policy holder for injuries and damages they cause to a third party. If you have been injured, please file a claim. 

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.

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 “My Policies” button in the “Manage Policies” section
3. Click the ''Cancel Policy'' 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 “My Policies” button in the “Manage Policies” section
3. Select "Cancel Policy"
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. 

FAQs

Frequently Asked Random questions

Hi, hello, or how are you?, etc.

Hey there! Feel free to ask anything you need help with. If I am unable to help out, I will get you to someone who has the answer.

Hi, my name is...

Hey there, please let me know how I can help.

Thank you

You are welcome! If you have further questions, I am here to help. If not, have a good day!

No thanks, but thank you for offering support.

You are welcome! If you think of any further questions, I am here to help. 

A few questions/things.

Feel free to ask your questions here.

Do you communicate in other languages

This chat feature is available in many other languages. Our phones and email capabilities are limited to English and Spanish.

Is this a real person?

While I am a emailbot, I have been programmed to answer almost all of the questions about this policy. One of our agents will be reaching out to you within 3 business days to follow up with any other questions you may have. Our hours of operation are Monday-Friday, 6 AM - 6 PM MST.

I have been on hold for a while.

We are sorry for the wait time. We are happy to answer your questions here quickly.

I just go disconnected, how can I get back with the agent I was just on with?

I am sorry to hear that. Please ask your question here I will be happy to help with that answer or get you back in touch with them.

The phone system is not picking up.

We apologize about any inconvenience this may have caused. Please type in your question in this chat and we will be happy to get it answered for you.

OK

Please let us know what else we can help with if needed.