For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.
Get all the best quotes from leading providers in a click of a button!
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.
To get the cheapest bodywork insurance quotes, click the 'Get Quotes' button and complete the form to receive quotes and coverage options online from some of the best bodywork insurance providers in America.
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
Get all the best quotes from leading providers in a click of a button!
Terrible customer service. I got this insurance for my Amazon store when I ran one, took a break and cancelled all my subscriptions. I called these guys and they recommended sending an email. They never responded and have been charging me since then. Definitely going to dispute via the bank. Hate when businesses take advantage of other small businesses for their own gain.
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another. Every conversation had an under lying tone of me being dishonest. Finally I just gave up with them and filed a despite with my bank which took all of three days.. So now I'm continuing to receive emails that my policy is past due and will be cancelled. Funny, I was told I didn't have a policy because they couldn't locate it.
Purchased the General Liability policy I needed to fulfill a contract for my hiring party. Simply Business made it very easy to complete an application and review multiple quote options. Ended up purchasing a policy for 1/2 of what I originally was told by my agent.
I insured my small business with them from early 2016 to January 2022. I had a workman's compensation policy with them the entire time for my staff of approximately 10 people which fluctuated up and down minimally over the years. We ran a very safe operation and never had so much as one claim. I sold my business in early 2022 and cancelled my policy which triggered a final audit of $2871.00 which was owed back to me. Of course I dissolved my LLC immediately after selling the business and thus closed my bank checking account at the advise of my accountant. Though my name was on the business policy, Employers Preferred Insurance Company refused to issue a check to me directly as the policy holder due to...you guessed it, policy. Long story short, if you sell your business keep a small amount deposited in the checking account because it's almost a guarantee that companies such as Employers will use their policy to weasel their way out of money owed after the dissolution of a business. I should have known that I would be treated a just another number shortly after I signed with them as the sales agent just disappeared after I was set up for an online account to manage my policy. My next business venture will entail me working with an actual insurance agent who has an office in an actual brick and mortar building!
Long term insurance claim denied for my mother after 31 years of paying. Please never give this company a dime. You will not get your money back!