Beauty & Bodywork
Annual Insurance Policy

The Beauty Insurance program is designed for professionals involved in Massage Therapies, Energy and Healing Touch, Cosmetology, Estethics, Nail Technicians, Teeth Whitening, Face/Body Painting and many other professions.  This policy offers coverage for both your general liability and professional liability, as well as $2,000 to cover your equipment.

Beauty &
​Bodywork
Insurance
Insurance for cosmetologists, hair stylists, estheticians, nail technicians, massage therapists, and more.
Price From

$140.00 / Annual

​Student Price From

$109.00 / Annual

*You must be enrolled in a professional school and not be making any revenue.
Purchasing insurance through the Beauty & Bodywork Insurance Program you get a competitive insurance policy with low premiums. 

The Beauty & Bodywork Insurance Program accomplishes this by using the purchasing power of a Risk Purchasing Group, because you are part of this group acquiring insurance directly from a carrier the cost savings are passed onto you. Once enrolled, each individual is issued a certificate of insurance showing your own individual liability limits; you don't share coverage limits with others, just premium savings.

​Your insurance policy becomes effective immediately after your online payment is verified, this only takes a few moments. Once the payment is processed, you can print your insurance certificate and add any additional insureds if necessary through your customer portal. Everything is at your fingertips.

Who Qualifies

Liability Insurance designed for Cosmetologists  Hair Stylists, Massage Therapists, Estheticians, Nail Technicians, Face/Body Painters, and more!

*Please review the excluded lines of business below if you are unsure whether you qualify.  If you do not quality, please submit your quote request with this LINK.

Limits of Insurance

General & Professional Liability Aggregate - $3,000,000
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
Products & Completed Operations Aggregate - $3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are manufactured, sold, or distributed.
Personal & Advertising Injury - Included
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
Each Occurrence - $2,000,000
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
Damages To Premises Rented To You - $300,000
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.

Additional Limits

Inland Marine / Business Personal Property - $2,000
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. (Deductible = $150)
Identity Recovery Coverage
Will reimburse you for costs incurred while recovering your identity. This coverage is for individuals only and does not apply to an LLC or a Corporation. (Deductible = $250)

Excluded Lines of Business

If your operations include any of the following, please click HERE to submit your quote request.
  • Acupuncture
  • Airbrushing Face Cosmetics
  • Any procedure that punctures the skin
  • Aqua Therapy
  • Black Henna
  • Body Branding
  • Body Piercing
  • Chiropody or Podiatry
  • Cosmetic Surgery
  • Cupping
  • Dance Instructors
  • Ear Candling/Coning
  • Endermologie
  • Electrolysis
  • Flower Essences
  • Gua Sha
  • Hypnosis
  • Manipulations or adjustments of the human skeletal structure
  • Personal Training - Yoga Instructors
  • Physical Therapists
  • Psychological and related treatment or therapy
  • 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
  • Tattooing or Permanent Makeup
  • The administering or prescription of any prescribed medicine
  • The use of any device employing x-ray, electrical rays, radio waves, or electronic waves
  • The use of any electrical/mechanical device for massage therapy such as electric massage chairs or vibration machines
  • The use of lasers
  • Training or application of micro-pigmentation
  • Ultrasonic Cavitation Machines
  • Ultrasonic/Ultrasound/High Frequency Machines

FAQ