Beauty & Bodywork Insurance (BBI) vs Proliability (Mercer)
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| Item | Beauty & Bodywork Insurance (BBI) | Proliability (Mercer) |
|---|---|---|
| Coverage limits | $2M per claim / $3M annual aggregate | Up to $1M / $3M 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 | nurses and allied-health professionals who want occurrence coverage with no tail |
| 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
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
Last reviewed: 2026-07-07