Professional liability insurance covers you if claims are filed against you for professional negligence, errors, omissions, or other issues that can arise if you provide professional services for a living.
What is professional services liability coverage?
Professional liability insurance is a type of business insurance that provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more.
What type of insurance should a salon owner have?
General liability insurance to help protect your salon from claims that it caused bodily injury or property damage to others. Commercial property insurance to help protect your owned or rented building, tools, equipment and inventory used to operate.
What is the purpose of liability insurance in cosmetology?
What is Cosmetology Liability Insurance? Cosmetology insurance is designed to protect cosmetologists from the expense of liability lawsuits and claims against them. As a professional beauty worker, a cosmetologist works closely with their clients to achieve their beauty goals.
What are the two types of professional liability insurance?
The two basic types of malpractice insurance are "claims-made" and "occurrence-made." "Claims-made" insurance protects you from malpractice claims only if the company that insured you at the time of the alleged "occurrence" is the same company at the time the claim is filed in court.
Do you need insurance for beauty?
You'll need treatment and public liability insurance to protect you from claims for compensation. Visiting clients in their own home brings its own risks. You could easily spill a substance on a carpet and ruin it or damage a surface with your equipment.