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 $118.

Is there a deductible?

There is no general liability deductible, but there is a $100 inland marine deductible.

Eligible classes of business

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

Bodyworkers

  • Aromatherapy
  • Reflexology

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
  • Aerial yoga
  • Any operation that requires a medical license
  • Any procedure that punctures the skin
  • Aqua therapy
  • Body branding
  • Cryotherapy
  • Cupping
  • 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

General & Professional Liability Limits

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

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