Modern esthetics relies heavily on advanced technological equipment—from hydrofacial devices and LED phototherapy panels to microcurrent machines and ultrasonic skin scrubbers. Replacing these tools out-of-pocket after a disaster can paralyze your business.
1. What is Business Personal Property (BPP)?
BPP covers business-owned physical items inside your leased studio or home salon. This includes:
- Specialized facial machines, steamers, and magnifying lamps.
- Hydraulic facial tables, provider stools, and aesthetic furniture.
- Backbar skincare supplies, professional chemical peel kits, and retail inventory.
- Laptops, iPad POS systems, and booking tablets.
2. Equipment in Transit: Inland Marine Floaters
Standard BPP only protects property while it remains inside your listed business location (or within 100 feet). If you perform mobile treatments, on-location bridal events, or take your equipment home at night, you need an Inland Marine (Commercial Floater) endorsement to insure your tools against vehicle theft or drop damage in transit.
3. Covered Perils & Exclusions
Most policies cover named perils such as fire, lightning, windstorm, burst plumbing pipes, and burglary with physical forced entry. Common exclusions include wear and tear, cosmetic scratching, and electrical breakdown without a power surge endorsement.
4. Typical Limits & Costs
For a solo practitioner, adding a $10,000 to $20,000 property rider to your base liability policy costs approximately $80 to $180 per year with a $250 or $500 deductible.