- Botox injection
- Laser Treatments
Many traditional services are covered under professional liability policies. However, such policies are not standardized. Therefore protection may be significantly different among different insurers. A particular company’s application and policy forms should be carefully read in order to determine what services are covered.
Cosmetologists are required to carry a state license and a minimum amount of training and experience in order to perform their jobs. Barbers and Beautician Professional liability policies require that all insured persons maintain a valid license or certification. Typical coverage includes injuries to persons or to property that is related to the applicable beauty or barbershop operation. There is also coverage for harm connected to application of preparations that are bought at a shop or salon and then are used at customers’ homes. Coverage does NOT apply to preparations made BY the insured.
See part two of this topic about items not protected under this coverage.