Editing Openai/68fe5eb0-d380-800a-901e-85447e04e2e0 (section)

===== Beauty & Bodywork Insurance (BBI) is a straightforward, low-cost liability policy catering to massage therapists and other beauty/wellness professionals. It is known for its budget-friendly price – $96/year (or $9.99/month) for a standard massage therapist policyinsurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=Beauty%20%26%20Bodywork%20Insurance%20,rated%20carrier|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>. This base policy provides $2 million per occurrence and $3 million aggregate coverage for professional and general liabilityinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=%E2%9C%93|publisher=insurelmt.com|access-date=2025-11-14}}</ref>, underwritten on a claims-made basisinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Occurrence,ILMT%20Policy%20is%20Occurrence%20Form|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. Product liability coverage is included (with a $3 M aggregate limit)insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=%E2%9C%93|publisher=insurelmt.com|access-date=2025-11-14}}</ref>insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=%242%20Million%C2%A0Per%C2%A0Occurrence|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. The low premium makes BBI one of the cheapest options for basic coverage. =====

Modular Coverage: Part of BBI’s approach is offering customizable add-ons. The base $96 policy covers most standard massage modalities, but certain higher-risk services require purchasing an endorsement (riders). For example, Cupping therapy or microcurrent therapy can be added for about $2.92/monthinsurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=,SAM%29%20Insurance|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>insurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=%2B%246|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>. If you also teach yoga or fitness, adding a yoga instructor endorsement is around $33/yearinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Coverage%20for%20Cupping%20and%20Yoga,coverage%20in%20Missouri%20%E2%9C%93%20Yes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. BBI also offers optional Cyber Liability coverage (to protect if you suffer a data breach) for roughly $6.58/monthinsurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=,SAM%29%20Insurance|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>, and optional Sexual Abuse/Molestation coverage (with $10k–$25k limits) for about $10–$14/month (note: BBI restricts this option to female therapists only)insurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=%2410%2C000%20in%20annual%20coverage%20,%2B%2414.04%2Fmonth|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>. You can also add Tools & Equipment coverage (e.g. $2,000 coverage for ~$24/year) and purchase unlimited additional insured certificates for $30/year (or $15 each)massageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=Massage%20Magazine%20Insurance%20Plus%20|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>. This à la carte model lets you tailor coverage and keep the base price low if you don’t need the extras.

Benefits: BBI is not an association, so it doesn’t bundle things like CE or magazines. It does maintain an informative blog and provides an online dashboard for managing your policy (certificates, claims, etc.). One notable limitation is BBI is not available in Missouri (as of recent data)insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Coverage%20for%20Cupping%20and%20Yoga,coverage%20in%20Missouri%20%E2%9C%93%20Yes|publisher=insurelmt.com|access-date=2025-11-14}}</ref> – they cover 49 states, so MO-based therapists would need another insurer. BBI’s carrier is well-rated (A+), and despite being claims-made, they emphasize ease of use and transparent pricing.

Exclusions: Aside from the modalities that require endorsements, BBI excludes certain “extreme” practices (similar to others) listed in their policy (for example, no coverage for cryotherapy chambers, piercing, injections, etc. as per their excluded methods list). Also, if you cancel a claims-made policy or let it lapse, you’d need to get tail coverage to remain protected for prior work. Some therapists might find the process of selecting add-ons confusing if they’re not sure what they need; however, BBI’s website comparison openly acknowledges what is not included in base versus competitorsinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Identity%20Protection%20Plan%20%E2%9C%98%20No,coverage%20in%20Missouri%20%E2%9C%93%20Yes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. BBI is ideal for the budget-conscious therapist who wants a basic policy now, with the flexibility to add specific coverages as needed.