Policies Available

Beauty & Bodywork Insurance offers a single liability insurance policy that provides multiple types of coverage for estheticians. 

Esthetician Insurance Policy

The esthetician insurance policy from Beauty & Bodywork includes $2 million per occurrence for general liability, professional liability, and product liability insurance claims. These coverages help pay for legal fees and judgments against you in the event a client claims that your services result in injury or financial loss. The aggregate is $3 million for general and professional liability and $3 million for product liability. The policy also includes $300,000 in coverage for damage to rental property premises. Personal and advertising injury coverage is also included. 

Available Riders

Beauty & Bodywork Insurance offers several add-ons that can help customize your coverage to include different modalities or additional insureds. You’ll be able to add these coverages during checkout. 

Tools and Equipment Coverage

For $13, you can add $2,000 in tools and equipment coverage for stolen or damaged business equipment. 

Acupuncture Endorsement

The acupuncture endorsement costs an additional $403 annually and extends your liability coverage to include acupuncture services. 

Cupping Endorsement

If you perform dry cupping services, you’ll need to add this endorsement to ensure you’re covered. It costs $35. 

Microcurrent Endorsement

Estheticians who perform microcurrent services can add this endorsement for $35.

Fitness Trainer Endorsement

If you’re an esthetician who also offers personal training services, you can cover that aspect of your business with the fitness trainer endorsement, which costs $33 annually. 

Cyber Liability Insurance

For $79 annually, you can purchase cyber liability insurance to protect yourself against lawsuits related to data breaches on your business website. 

Additional Insureds

You can opt to add two additional insureds for just $15 each or get unlimited additional insureds for $30 per year. 

Customer Service

BBI maintains customer service hours between 6 a.m. and 6 p.m. Mountain Time on weekdays. You can call 877-536-7290 to reach the company, or email info@insurebodywork.com at any time. You’ll also have 24/7 access to your policy documents through the online portal. 

Price

The esthetician insurance policy from Beauty & Bodywork costs just $96 annually for professionals and $67 per year for students. The policy covers a variety of modalities nationwide. BBI also offers several endorsements for excluded modalities at an additional cost. 

Is Beauty & Bodywork Esthetician Insurance Right for Me?

If you’re looking for a low-cost policy that provides adequate basic coverage, Beauty & Bodywork Insurance may be a good choice. The company is highly reputable with superior financial strength and a good record of customer satisfaction. Plus, you can get a policy for under $100 annually. However, if you need insurance for employees or business vehicles, or you’re looking for higher limits on tools and equipment coverage, BBI won’t offer the coverage you need. 

Our Methodology: How We Review Esthetician Insurance Carriers

To determine the best insurance companies for estheticians, we collected 20 data points on the top esthetician insurance companies by premium. These data points include:

• Financial strength
• Cost
• Policy types and features
• Exclusions
• Consumer complaints
• Online tools
• Billing options
• Coverage limits

We gave preference to companies with top ratings from AM Best, a low rate of customer complaints, and those that offer coverage based on the date of the occurrence as opposed to when the claim was made. Companies with high aggregate coverage limits, monthly billing, low premiums, online purchase options, and those that offer property coverage got ratings boosts. To rank the companies we researched, we applied the following weights to each customer-focused category:

• Types of coverage and features: 40% 
• Financial stability: 20% 
• Consumer complaints: 25%
• Online purchase: 10%
• Billing options: 5%

We delved further into product and company specifics to determine which companies were best for which types of consumers. Using this research, we determined which companies offer the best esthetician insurance.

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