BEAUTY AND BODYWORK LIABILITY

Designed for insureds who are massage therapists, estheticians, cosmetologists, nail technicians, face/body painters, and more! Student and professional policies available.

WHAT DOES THE POLICY INCLUDE?

This is an admitted policy that includes general and professional liability, products and completed operations, personal and advertising injury, and damage to premises rented to you.

HOW MUCH IS THE PREMIUM?

The professional policy starts at $102.

IS THERE A DEDUCTIBLE?

This policy is designed for insureds who are students or professionals within the industry. Here’s who qualifies:

ELIGIBLE CLASSES OF BUSINESS

Bodyworkers

Aromatherapy
Reflexology
Acupuncture

Cosmetologists

Airbrush makeup artists
Eyelash extensions
Makeup artists
Teeth whitening

Energy workers

Acupressure
Healing touch
Reiki

Estheticians

Facials
Hair removal
Microdermabrasion

Face and body painters

Henna
Glitter tattoos

Hair Stylists

Barbers

Massage therapists

Animal massage
Chair massage
Deep tissue massage
Hot stone massage
Sport massage
Swedish massage
Thai massage

Nail techs

Salon and spa owners

EXCLUDED OPERATIONS

The excluded operations for the policy are the following:

Acupuncture (Optional Endorsement)
Aerial yoga
Any operation that requires a medical license
Any procedure that punctures the skin (Optional Endorsement)
Aqua therapy
Body branding
Cryotherapy
Cupping (Optional Endorsement)
Diagnosing or failure to diagnose any disease or medical condition
Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams
Ear candling/coning
Electrolysis
Endermologie
Flower essence or herbal therapy
Gua sha
Hypnosis
Laser treatments
Manipulations or adjustments of the human skeletal structure
Microblading
Pole dancing, pole fitness, or exotic exercise
Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
Psychological or related treatment therapy
Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
Removal or any attempt to remove warts, moles, or skin growths
Sale, service or application of wigs or toupees
Skin needling
Suntan beds or suntan booths
Surgical hair removal, hair implanting or hair transplanting
The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
The use of any product developed with or containing human stem cells or stem cell media
The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
The use of inversion tables
Training or application of micro-pigmentation, Black Henna, body piercing or permanent body art
Ultrasonic cavitation machines

COVERAGE DETAILS

Limits of Liability

General & Professional Liability Aggregate

$3,000,000

Products & Completed Operations Aggregate

$3,000,000

Personal & Advertising Injury

Included

Each Occurrence

$2,000,000

Damage to Premises Rented to you

$300,000

Additional Limits

Inland Marine / Business Personal Property

$2,000

Deductible

$100