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Beauty and Bodywork Insurance (InsureBodywork) Review

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Working as a beauty therapist, massage therapist, being a spa business owner, having a tanning salon, or being a cosmetologist, nail technician, makeup artist, esthetician, etc. can be a rewarding business, but it can also be one that puts you at risk of a lawsuit. If you’d like to avoid being put in an unfavorable financial position because of something out of your control, then insurance may be the best bet for you.

In this guide, we’re going to examine the services of beauty and bodywork insurance, also known as InsuredBodywork or BBI insurance. We’ll take a short look at the company itself, what they offer, and the benefits of having a membership with them. We’ll also explore the average cost of insurance from InsureBodywork, and we’ll break down their packages.

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About Beauty Bodywork Insurance

Beauty and Bodywork (AKA Insure Bodywork) insurance was started in 2012 by Veracity Insurance Solutions. It began as a risk purchasing group that partnered with Great American Insurance Company to tend to the needs of professionals in the beauty field, who were widely underrepresented.

Within a year of being launched, Beauty and Bodywork Insurance grew by about 200%, and the program went forward with renewed vigor. Veracity got a full-time staff on the payroll to handle Beauty and Bodywork, and they launched a new project to renew the online presence of the brand.

This marked the point at which BWI rebranded to BBI (Beauty and Bodywork Insurance), and the company started increasingly relying on technology and the web to connect with its clients. Since then, the company has focused its efforts on providing its customers with better service and convenience.

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Beauty and Body Works Insurance Policy Details

Beauty and Bodyworks specializes in insuring a wide range of professionals in the beauty industry, including massage therapists, estheticians, cosmetologists, face painters, teeth whitening services, and much more. This policy is fulfilled through the Great American Insurance Group, who BBI is partnered with.

The base BBI policy comes at a flat rate along with their membership, and it comes with a wide range of benefits for policyholders. When insured with BBI, you can opt for a range of endorsements that might also increase the cost of your insurance policy depending on their level of risk.

The aggregate limit for general and professional coverage is $3 million and $3 million in coverage for professional and completed operations coverage. Personal and ad injury is also included with a $300,000 limit in coverage when it comes to damage to premises rented by you.

Their policy features other optional add-ons including a cyber coverage option with a $100,000 limit and a $50,000 limit for E-theft coverage. For beauty professionals that work with a fitness trainer, there’s also an add-on that can cover a yoga instructor, dance instructor, or personal trainer.


Beauty & Bodywork Insurance Program Benefits

There are also many additional benefits that come with a Beauty and Bodywork Insurance policy. For example, you have access to policy documents at all times and you can rely on just a single policy for all potential claims to ensure that paperwork is as simple as possible.

BBI also features a no quote process to make things further streamlined and they provide you with instant coverage, allowing you to get your beauty business kick-started. As a bonus, everything can be done online, with no need for face-to-face meetings and wasted time.

Whenever you make a liability claim through the BBI policy, you won’t have to worry about paying a deductible. If you’re insured through BBI, you’ll also be covered in all 50 states, so you won’t have to worry about opting for an alternative company because of where you’re located.

Beauty and Bodywork Insurance Reviews

In this part of our guide, we’re going to take a look at two separate InsureBodywork product reviews, broken down by the policy offered. First off, we’re going to take a look at the more common professional liability policy that BBI offers and then we’ll go over the equivalent student policy.

Professional Liability Policy Review

The professional liability policy is the most popular policy available from BBI because it applies to the vast majority of professionals in beauty-related fields. This features standard coverage with the same range of add-ons that apply to more specialized niches in the beauty field, like acupuncture.

The best thing about the professional liability policy is that it applies to all modalities. This means that if you offer nail tech services, cosmetology, or anything else, you’ll still be covered by this policy and you won’t have to pay a premium for each of the additional jobs that you perform.

Pros:

  • Covers all beauty professions

  • No quote process

  • Available in all 50 states

Cons:

  • Handled through an RPG

Average cost: $96 per year

Rating: A+

Student Liability Policy Review

The student liability policy is available to students enrolled in professional schools for beauty. Compared to the professional liability policy, the student policy is similar in every way except for who can apply for it and the cost, being a bit more affordable than the professional policy.

This policy features all of the same advantages that the professional policy features, including an A+-rated carrier in the form of Great American Insurance Group. Limits remain the same with $3 million aggregate for general and professional liability as well as products and completed operations.

Pros:

  • Affordable

  • Good limits

  • Liability claims have no deductible

Cons:

  • Only available to students

Average cost: $67 per year

Rating: A+


Beauty and Bodywork Insurance Coupon

Now that we’re done with our Insure Bodywork reviews, you may have decided that you want to become a member and do the beauty and bodywork insurance login process. Before going out and applying for their services, it may be a good idea to look around for an InsureBodywork coupon.

It is hard to find a BBI insurance coupon, by if you get your hands on a valid one, this may allow you to get as much as 50% off of your first year of coverage, allowing you to keep your beauty business safe without breaking the bank. Considering the affordability of BBI coverage, this will get your premium more than 90% lower than what you’d be paying with other insurance carriers.

Another great idea which is much easier to do, will be to compare quotes from many leading beauty business insurance companies online by clicking the 'Get Quotes' button below, completing the process and have more options on your table.

Compare Beauty Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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