Beauty & Bodywork Insurance (BBI) vs Thimble
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| Item | Beauty & Bodywork Insurance (BBI) | Thimble |
|---|---|---|
| Coverage limits | $2M per claim / $3M annual aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence | occurrence |
| License defense | — | — |
| Tail coverage | — | — |
| Rating | 4.2 | 4.1 |
| Best for | estheticians, massage therapists, and cosmetologists who want low-cost coverage for all their services | freelancers and part-time / niche professions that need flexible, short-term 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
Thimble
Pros
- General liability and professional liability included in fitness/trainer coverage
- Buy by the hour, day, month, or year; instant certificate of insurance (COI)
- Coverage applies wherever you work — gym, client's home, or a park
Cons
- Does not include license defense
- Workers' compensation (employee injury) is a separate policy
Last reviewed: 2026-07-07