Beauty & Bodywork Insurance (BBI) vs CM&F Group
The “Get Quote” links below are affiliate links (rel="sponsored"). We may earn a
commission if you buy through them, at no extra cost to you.
| Item | Beauty & Bodywork Insurance (BBI) | CM&F Group |
|---|---|---|
| Coverage limits | $2M per claim / $3M annual aggregate | Up to $1M per claim / $6M annual aggregate |
| Policy form | occurrence | occurrence |
| License defense | — | ✓ |
| Tail coverage | — | — |
| Rating | 4.2 | 4.4 |
| Best for | estheticians, massage therapists, and cosmetologists who want low-cost coverage for all their services | clinicians who want portable coverage with telemedicine and license defense built in |
| 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
CM&F Group
Pros
- License Defense and HIPAA Defense coverage included as standard
- Telemedicine / telehealth malpractice coverage included at no additional cost
- 24/7 portable coverage that follows you (volunteer, per diem, moonlighting); insuring clinicians since 1947
Cons
- Brand is less known than HPSO or Berxi
- Quote requires entering practice details up front
Last reviewed: 2026-07-07