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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.
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:
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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10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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