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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:
Cons:
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:
Cons:
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:
Cons:
Average cost: $21 per month
Best for: Employers
Our Rating: 4/5
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