Many perils are associated with the personal care and beauty industry. As a beauty therapist, salon owner, cosmetologist, nail technician, makeup artist, or any other profession, it’s important you work with an insurance company that underwrites tailored coverage for your budget and needs.
One such company is Beauty and Bodywork Insurance. In this guide, know this company, what it offers, reviews, and more.
Online application, policy management, and payment of premiums
Digital copies of policy documents
Comprehensive general liability and professional liability insurance for beauty professionals
Two specialized coverage options-professional liability policy and student liability policy
Doesn’t offer numerous types of business insurance products
Policy limits can’t be customized
Beauty and Bodywork Insurance provides instant coverage. You get insured online and fast because the company doesn’t ask a lot of details.
This insurance company also takes your budget into mind. That’s why it created two coverage options that fit your budget as a beauty professional or as a student.
Beauty and Bodywork Insurance only keeps digital copies of your policy documents. Because of this, you get 24/7 access to them via the company’s website. Note that Beauty and Bodywork allows you to download and print without additional charges.
Best for: Beauty professionals
Average cost: $8 per month for professional liability policy, $5.58 per month for student liability policy
Our rating: 9/10
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Also called InsureBodyWork, Beauty Bodywork insurance is a company that offers numerous types of insurance products for students, professionals, and beauty & bodywork businesses.
The company aims to provide flexible coverage options, comprehensive protection, responsive customer service, and affordable protection to customers. Beauty and Bodywork’s services observe the following core values:
Beauty and Bodywork Insurance offers its policies 100% online. The company doesn’t employ or commission insurance agents. You get to choose the needed coverage. In return, Beauty and Bodywork provides a quick estimate of your rates.
In addition, Beauty and Body Works Insurance is one of the few companies that follow the “nature-first” approach in its operations. For one, it supports the paperless movement. Because of this, policy documents are only available as a digital copy which you can print yourself.
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 exponentially, 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 it 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.
Beauty and Bodywork Insurance headquarters is located at 260 South 2500 West Suite 303, Pleasant Grove, UT 84062. The company’s email is email@example.com. Its contact number is +1 877-536-7290.
Beauty and Bodywork Insurance is one of the leading carriers when it comes to insurance for beauty and personal care businesses and professionals. Choose this company and enjoy these perks.
Beauty and Bodywork Insurance operates paperless. All of your policy documents are stored in its database. In case you want to get a copy, a document will be sent to you via email or you can download it from the company website.
Beauty and Bodywork Insurance doesn’t want you to spend a lot of time just to get covered. And so, all you have to do is visit its website, choose a policy, provide information about your work, and pay for it.
You can purchase a policy from Beauty and Bodywork Insurance regardless of location, provided that you’re not one of the businesses excluded in its underwriting appetite we mentioned above.
Beauty and Bodywork Insurance provides instant coverage. You don’t need to wait for days before the policy takes effect. You can use your policy the moment you pay for it. Because of this, Beauty and Bodywork Insurance is great if you’re looking for spur-of-the-moment protection.
Beauty and Bodywork professional liability and general liability insurance don’t have any deductibles. This means that you can fully use the funds provided by both policies in order to cover a claim.
Beauty and Bodywork Insurance provides its services for the following types of customers in the personal care and beauty industry:
Estheticians (hair removal and microdermabrasion)
Swedish massage therapists
Deep tissue massage therapists
Teeth whitening professionals
Eyelash and hair extension technicians
Beauty and Bodywork Insurance doesn’t cover all kinds of professions and businesses in the beauty and personal care industry. The company’s services aren’t available if your business or you, as a beauty professional, is involved in the following activities:
Surgical hair removal and hair implant
Massage salon or therapist using massage chairs and other apparatus to provide a service
Provides beauty treatment and using x-rays and dangerous equipment
Dermatologist specializing in wart removal, moles, skin growths, etc.
Dance studio or fitness studio
Any beauty professional involved with the sales or prescription of stem cells, vitamins, drugs, and supplements to customers
Any beauty professional who provide surgical methods that manipulate the client’s bodily condition
Beauty and Bodywork Insurance offers three types of business insurance policies-general liability, professional liability, tools and equipment insurance, inland marine insurance, cyber liability insurance, and business personal property insurance. This section discusses the functions of these policies.
As a beauty professional, you can inflict clients with injuries or property damage due to:
Failure to maintain orderliness and cleanliness in the business premises
Lack of care while providing a service
Lack of skill and experience
General liability insurance provides protection in case you’re liable for the injuries or property damage sustained by a client. This insurance provides the money you can use to:
Pay or reimburse the medical treatment of the client
Reimburse the losses of the client for his or her damaged property
Cover the settlement demanded by the client
Take care of defense costs such as attorney fees, administrative costs, court fees, investigation fees, and others
By the way, you need to know that additional coverages are included in the terms of general liability insurance. Particularly, these are:
Advertising injury coverage-Advertising injury coverage provides protection when someone files a claim against you for slander, libel, and copyright infringement. Costs covered are settlements and defense costs such as attorney fees, investigation fees, administrative fees, etc.
Products and completed operations-Products and completed operations provides coverage if a product you delivered or a service you completed inflicted a client with injuries or property damage. This pays for settlements and defense costs
Professional liability insurance is another coverage provided by Beauty and Bodywork Insurance. Its job is to shield you from claims filed with regard to how you provide a service or perform a method for a particular client.
You can use general liability insurance to cover settlements and defense costs if a client files a claim because you committed any of the following and caused economic or financial losses:
Violation of good faith
Violation of fair dealing
Breach of confidentiality
Understand that, unlike general liability insurance, professional liability insurance doesn’t cover claims for bodily injuries, advertising injury, or property damage filed against you.
You get the best protection as a beauty professional by having professional liability and general liability insurance. This is the reason why Beauty and Bodywork Insurance offers both policies in a bundle.
Business and personal property insurance is also offered by Beauty and Bodywork Insurance. This is useful if you own a beauty clinic, spa, or salon.
With business personal property insurance, you get reimbursement for losses in case computers, furniture, signage, and other fixtures in the clinic, spa, or salon become lost or damaged due to:
Understand that the protection provided by business personal property insurance isn’t absolute. You can’t use it when damage or loss of business personal property is due to:
At an additional cost, you can get tools and equipment insurance from Beauty and Bodywork. Tools and equipment insurance will refund your loss in case specialized beauty equipment such as scanners, facial machines, tattoo machines, etc. become lost or damaged due to:
Tools and equipment insurance isn’t all-encompassing. It doesn’t provide coverage if tools and equipment got damaged because of inherent defects.
Beauty and Bodywork offers inland marine insurance. Inland marine insurance covers portable equipment during a trip. The policy will reimburse losses if damage or loss of portable equipment is caused by the following during transportation:
Accidental drop and damage
You can also get cyber liability insurance from Beauty and Bodywork. This covers the following costs in case you become a victim of data breach:
Professional services to contain the breach
Public relations services to inform concerned parties of the breach
Lost income caused by the breach
Beauty and Bodywork bundles its business insurance in two specialized coverages which it calls professional liability policy (don’t confuse this with professional liability insurance) and student liability policy.
Beauty and Bodywork Insurance sells professional liability policy to licensed and unlicensed beauty professionals who are employed, own a beauty business, or currently working independently.
Business insurance products included in its terms are general liability, professional liability, and business personal property insurance.
General liability insurance for beauty professionals has a $2 million per occurrence limit with a $3 million aggregate. This comes with a $3 million product and completed operations coverage and a $300,000 rented premises liability coverage. Protection against advertising injuries is included but BBI doesn’t state the limits.
Professional liability insurance comes with a 2 million per occurrence limit with a $3 million aggregate.
Beauty and Bodywork’s business personal property insurance offers $2,000 coverage. Unfortunately, you can’t customize to get more. Tools and equipment insurance is available. However, you’ll need to get this as an optional coverage, which comes at an increased price.
Beauty and Bodywork’s student liability policy is a discounted version of its professional liability policy. That said, the inclusions and limits will be the same. The only difference is the cost of premiums. The company will offer its student liability policy if you meet these criteria:
Takes 20 credit hours of beauty service classes per week
Decides to get insured within 30 days before graduation or less
Beauty and Bodywork Insurance allows you to name additional insureds on your policy. In simpler terms, you can use your general liability insurance and professional liability insurance from the company to cover clients or landlords.
However, this doesn’t come for free. Beauty and Bodywork Insurance charges $15 for naming one additional insured on your policy. If you want to name multiple individuals, the company will charge an additional $30 on your monthly premiums.
Beauty and Bodywork Insurance doesn’t offer all insurance solutions you need. These are the business insurance products you can’t purchase from the company:
Workers compensation insurance
Commercial umbrella liability insurance
Commercial auto insurance
Business owner’s policy
Employee dishonesty insurance
Employer’s liability insurance
Employment practices liability insurance
Beauty and Bodywork Insurance creates an online account after you get insured. This online account will hold details of your policy such as monthly premiums, current policy limits, and more.
You have to login to the Beauty and Bodywork Insurance website to access your account. To do so, visit it, and look for the login button on the topmost right corner.
Login using the credentials provided by Beauty and Bodywork. You can also bind your Google account or Facebook account for quicker access.
Requesting Beauty and Bodywork Insurance to grant you coverage is very easy. All you have to do is login to its website and click the “File A Claim” button found at the “Manage Policies” tab of your account dashboard.
Beauty and Bodywork Insurance allows you to cancel a policy. However, you can’t do it online. You have to call or email the company. Also, you must recognize that Beauty and Bodywork Insurance doesn’t grant refunds when you terminate your coverage.
You may have decided that you want to become a policyholder 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 a Beauty and Bodywork Insurance coupon.
It is hard to find a BBI insurance coupon, but 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.
Get all the best quotes from leading providers in a click of a button!
Beauty and Bodywork Insurance reviews are mixed. We looked at different sources. This section presents what we found out.
The Better Business Bureau doesn’t have bodywork insurance reviews. However, it has many for the insurance company’s program administrator, Veracity Insurance Solutions. We can take a glimpse of how good Beauty and Bodywork Insurance is based on this.
Beauty and Bodywork’s program administrator has a C- rating on BBB. Moreover, it’s not an accredited company. Despite this, its record seems pretty clean as it only earned 8 complaints in the last 12 months.
Insurebodywork reviews can be found on Google. Recent customer feedback indicates that the company has done its part in providing comprehensive coverage at the utmost convenience of policyholders. Beauty and Bodywork Insurance earned a rating of 5 stars on average from 109 reviews.
Insure bodywork reviews in Smart Reviews show 117 complaints in the past 2 years. Nonetheless, this is overshadowed by the positive comments of numerous users. Beauty and Bodywork earned a 4.6 rating and 74% marked the service they received as excellent.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow