Beauty & Bodywork Insurance (BBI) vs Berxi (Berkshire Hathaway)
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| Item | Beauty & Bodywork Insurance (BBI) | Berxi (Berkshire Hathaway) |
|---|---|---|
| Coverage limits | $2M per claim / $3M annual aggregate | Flexible up to $1M / $6M aggregate |
| Policy form | occurrence | occurrence / claims-made |
| License defense | — | ✓ |
| Tail coverage | — | ✓ |
| Rating | 4.2 | 4.5 |
| Best for | estheticians, massage therapists, and cosmetologists who want low-cost coverage for all their services | professionals who want instant online quotes and defense costs that don't erode limits |
| Get Quote | Get Quote |
Beauty & Bodywork Insurance (BBI)
Pros
- Low cost — individual coverage from $9.99/month or $96/year
- Covers all of your services under one policy, everywhere you work
- Optional tools & supplies coverage; covers you and your employees
Cons
- Not a medical malpractice policy; no license-defense focus
- Station-based (salon) plans priced separately, from $31.08/month
Berxi (Berkshire Hathaway)
Pros
- Defense costs are outside the limits of liability — a $1M limit stays fully available for settlements
- $0 deductibles; both occurrence and claims-made options with customizable tail coverage
- Board Action & License Protection (starts at $10,000/incident) and Reputation Protection up to $50,000
Cons
- Covers a narrower range of professions than HPSO
- Not available in every state or for every profession
Last reviewed: 2026-07-07