Beauty & Bodywork Insurance (BBI) vs CPH & Associates
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| Item | Beauty & Bodywork Insurance (BBI) | CPH & Associates |
|---|---|---|
| Coverage limits | $2M per claim / $3M annual aggregate | Professional liability occurrence form; optional GL $1M / $3M aggregate |
| Policy form | occurrence | occurrence |
| License defense | — | ✓ |
| Tail coverage | — | — |
| Rating | 4.2 | 4.3 |
| Best for | estheticians, massage therapists, and cosmetologists who want low-cost coverage for all their services | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage |
| 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
CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
Last reviewed: 2026-07-07