The bodywork and beauty industries are growing rapidly, as more and more people invest in their own self-care. Feeling good about yourself is one of the keys to a happy life, but be it a spa , a makeup business , yoga studio , personal training , a gym , or a massage therapy business, running a bodywork business may not be as simple as it seems, especially when you have to consider what kind of bodywork liability insurance you’ll need.
This is why we’ve put together this guide to shine a light on everything you need to know about bodywork insurance. We’ll discuss the most common forms of bodywork insurance and we’ll also look at some of the best bodywork insurance companies in the industry so you can be aware of some of the most qualified bodywork insurance providers for your needs.
Since the bodywork industry is mainly reliant on customers coming to your place of business so that you can provide them with your services, the most common type of massage and bodywork insurance is bodywork liability insurance coverage. Bodywork liability insurance protects your business from people suing you over things that happen at your business’s premises.
For example, if someone falls off of a massage table while you’re working on them and ends up hurting themselves, it will cover any medical bills that they come after you for. However, liability insurance can also protect you from property damage people sustain at your business.
An example of property damage would be someone accidentally breaking their phone while you’re in the middle of a body contouring routine. Keep in mind that there are also several kinds of liability coverage that you’ll have to choose between, including general and public liability policies.
Public liability insurance policies for bodywork businesses tend to be more affordable because they will only protect members of the general public at your place of work, including customers and people from other businesses. Note that this is also a coverage available for tanning, nail, hair, beauty, and other types of salons.
On the other hand, general liability insurance for bodywork businesses will cover you from any damages caused to the public, but also to everyone who works for you, including the owners of the business, vendors, etc. which makes it a broader and more recommended coverage - and it's still extremely affordable.
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Body contouring is a process that is used to eliminate loose skin after someone loses a large amount of weight, and while it’s a nonsurgical process, it’s still possible for someone to get injured during the process. This means that it’s usually a good idea to get some indemnity insurance for body contouring business to ensure that you don’t get sued if you make a mistake during the body contouring process.
Along with indemnity coverage, general liability insurance is a standard body contouring insurance because it will cover you from both public claims as well as claims coming from employees, vendors and business owners.
Public liability insurance for body contouring business is pretty common for small body contouring businesses because employees are pretty unlikely to get injured or sustain property damage while working, and many times these businesses will not have employees, vendors and business owners other than the person who started this business and runs it.
Because of the hands-on nature of the practice, body contouring business insurance cost tends to be a little higher than for other forms of bodywork.
Body sculpting is a form of non-invasive fat removal, and it also contains cryolipolysis and other sub-disciplines. Because of the relatively unproven nature of many of these procedures, insurers are often wary of businesses that work in this field, and they often charge them higher rates for body sculpting insurance coverage.
As with body contouring, you typically want to make sure that you have some form of liability coverage, and if you’re trying to play it safe, you should also get indemnity coverage as well.
Picking the right bodywork insurance company is essential because it will determine the rates that you pay as well as the level of customer service you get from the company. Certain carriers are more qualified to work in the bodywork insurance space, so you may want to opt for them. Read the reviews below to know their pros, cons, and general liability insurance rate.
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ABMP stands for Associated Bodywork and Massage Professionals, and they provide coverage to their members, all of whom work in the industry. ABMP is known for providing its members with flexible payment plans so that everyone can access affordable insurance without putting their business at risk.
ABMP massage insurance and bodywork insurance don't operate like traditional coverage. Instead, everyone pays one of two rates for either professional or certified membership. Both of these plans come with comprehensive liability insurance as well as a pro website and access to several bodywork publications.
Pros:
Wide range of other benefits
Comprehensive coverage
Certified membership gives you unique credentials
Cons:
You can’t get insured without membership
Average cost: $16 per month
Best for: Customers looking for insurance bundled with other benefits
Our Rating: 4.5/5
BBI stands for Beauty and Bodywork Insurance, and this is a risk purchasing group, which means that it isn’t actually an insurance carrier on its own. In fact, BBI works through the Great American Insurance group, and just like ABMP, they have a membership program for professionals in the industry looking for coverage.
BBI offers two kinds of liability policies with a no quote process and instant coverage. The first of these is the most common: their professional liability policy. However, if you’re still a student who is enrolled in beauty school, then you can get their student liability policy that’s available for a discounted rate.
Pros:
Student and professional policies
No quote process
Very affordable
Cons:
Not an actual carrier
Average cost: $8 per month
Best for: Businesses on a budget
Our Rating: 4.3/5
Alternative Balance is yet another risk purchasing group that works in the bodywork industry, and they also provide coverage for healthy and beauty businesses. For example, Alternative Balance covers professionals in the yoga, life coaching, cosmetology, and aromatherapy industries, as well.
Alternative Balance has several different levels of coverage depending on whether the applicant is in trade school or based on the number of hours they work per week. For example, students get a discounted rate along with per diem workers. Their more expensive policies are for professionals (10+ hours per week) and employers.
Pros:
Range of coverage levels allow you to personalize your coverage
$3 million of general and professional liability aggregate
Includes personal and advertising injury
Cons:
Relatively expensive
Average cost: $21 per month
Best for: Employers
Our Rating: 4/5
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Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
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!