Beauty & Bodywork Insurance (BBI), a provider of niche insurance products for beauty, wellness, and bodywork professionals, has released its 2025 Claims Report, analyzing real insurance claims and a national consumer survey to identify operational risks and client preferences in the salon and spa industry.
The report, based on claims with 2025 dates of loss, found total payouts of $929,187, with a median claim of $2,500 and an average claim of $4,890. Most claims were under $10,000, but larger events accounted for a significant share of total payouts. Water damage emerged as the most common type of claim, while property-related incidents and service-related injuries also appeared frequently. Fire-related incidents, though rare, led to disproportionately high payouts.
“Most claims beauty and bodywork professionals face come from everyday operational issues rather than catastrophic events,” said Daryle Stafford, CEO of Veracity Insurance, BBI’s parent company. “Routine incidents happen more often than people expect. Insurance helps professionals handle those situations without interrupting their business, while also protecting them if a rare but costly event occurs.”
BBI paired its claims analysis with a survey of 1,000 U.S. adults conducted in November 2024. Sixty-two percent of respondents said they are more likely to book with a professional who carries liability insurance. Service quality, affordability, and provider credentials were also top considerations.
“Insurance does more than cover losses,” said JoAnne Hammer, Program Manager at BBI. “Many clients see it as a sign that a professional runs a responsible business. Coverage helps protect the provider if something goes wrong and signals to clients that the person delivering the service takes their work seriously.”
The full report is available at Beauty and Bodywork Liability Statistics. BBI, which serves over 63,000 professionals, offers policies including general liability, professional liability, and coverage for tools and supplies through its online platform at insurebodywork.com.
