Business Personal Property (BPP) Coverage for Your Esthetics Practice

Business Personal Property (BPP) insurance is property coverage for stolen or damaged business equipment and supplies at replacement cost. BPP insurance through ASCP helps protect the equipment, tools, and supplies that keep your esthetics practice running—whether you work in a spa suite, solo studio, or mobile environment. Coverage includes protection from fire, theft, vandalism, and certain water-related events, subject to policy terms.

BPP Coverage at a Glance

• Two coverage limits: $10,000 or $30,000
• Annual cost: $99 or $299
• Covers on-site and mobile work
• $250 deductible for all losses; $500 deductible for theft

How Do I Protect the Tools That Power My Business?

Liability insurance protects against claims related to services you perform—
Business Personal Property (BPP) coverage helps protect what you own.

Choose a limit that matches the value of your equipment and retail inventory and stay covered even when you take tools off-site.

What Does BPP Cover for Estheticians?

Business Personal Property coverage helps protect the physical items you rely on in your practice, including:

Common Items Covered by BPP

• Treatment tables and esthetics beds
• LED, microcurrent, and similar devices
• Wax warmers and hair removal equipment
• Hot towel cabinets, steamers, aromatherapy tools
• Retail inventory (products, serums, masks)
• Laptops, tablets, and POS devices
• Linens, bolsters, stools, and small office furniture
• Kits and supplies used during mobile appointments (subject to policy terms)

A BPP insurance policy will cover these items up to your selected limit

Who Should Add BPP to Their ASCP Membership?

BPP is especially valuable for:

• Solo estheticians with high-value tools
• Mobile estheticians who work in client homes or at events
• Suite renters and independent contractors
• Spa owners with retail inventory
• Estheticians who use LED or microcurrent devices
• Anyone who cannot afford downtime from a loss

Even a small equipment loss can disrupt your business—BPP helps you protect your assets and recover faster.

Why Add BPP to Your ASCP Membership?

• Replacement Cost Coverage: Helps replace covered items at current prices—not depreciated value.
• On- and Off-Premises Protection: Designed for studio, mobile, and multilocation estheticians (subject to policy terms).
• Two Limits Available: Choose $10,000 or $30,000 based on your equipment, tools, and inventory.

What Are the Coverage Options and Deductibles?

Limit	Annual Cost	Deductible	Notes
$10,000	$99/year	$250 (all losses) / $500 (theft)	Replacement-cost protection
$30,000	$299/year	$250 (all losses) / $500 (theft)	Replacement-cost protection

 

How Does Business Personal Property Coverage Work?

1. Add BPP when you join or renew—or call ASCP Member Services to add anytime.
2. Receive confirmation and coverage details in your member account.
3. In the event of a covered loss, submit documentation to start your claim.

Is BPP Required for Estheticians?

BPP insurance is not typically required by state licensing boards. However, many suite rental agreements, spa employers, and landlords require estheticians to carry their own property coverage. Even when not required, BPP helps safeguard your investment in equipment and supplies.

Real-World Scenarios When BPP May Help

BPP can help protect you when:

• A break-in results in stolen tools or devices
• A water leak damages your treatment table or retail stock
• A fire or electrical surge damages your facial equipment
• Tools are damaged while working an off-site event
• A device is destroyed in a covered incident

Review your policy for complete covered causes of loss.

How Much Are Your Esthetics Tools Really Worth?

Most estheticians underestimate the value of their equipment. When you add up tools, devices, furniture, and retail products, it’s common to have $8,000–$30,000 in total business property. Choosing an accurate limit helps ensure you can replace items at today’s prices if you suffer a loss.

Checklist: How to Choose the Right BPP Limit

• Do you use LED, microcurrent, or ultrasonic devices?
• How much retail inventory do you carry?
• Is your work mobile or in multiple locations?
• Does your landlord require property coverage?
• Could you afford to miss clients (or) miss work if your equipment is damaged?
• What would be the cost to replace your tools today?

Frequently Asked Questions

• What is BPP contents coverage?
  Business Personal Property (BPP) coverage helps protect equipment, tools, inventory, and contents for covered losses like fire, theft, or vandalism.
• Do I have to be an ASCP member to add BPP?
  Yes. Our BPP coverage is exclusively available to ASCP members
  Join today
• What limits are available?
  Choose between $10,000 and $30,000 replacement cost options.
• Does BPP cover off-premises equipment?
  Yes. BPP can help protect business property used off-site, subject to policy terms.
• How do I add BPP to my ASCP membership?
  Add it online when you join or during renewal or call ASCP Member Services at 800-789-0411.

 

Disclaimer:
The information provided here offers a general overview of coverage and is for illustration purposes only. For complete details—including specific coverages, limitations, exclusions, terms, and conditions—please review the official policy document. In the event of any discrepancy, the policy wording will prevail.

Last updated: February 2026

Ready to protect your tools, equipment, and supplies?
Add BPP to Your Membership