- 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.
It is just as important to be aware of limitations. Generally, available policies don’t protect against losses involving the following:
- Use of procedures and use of preparations that are illegal
- Injury related to a professional service performed by a minor or by an unlicensed operator
- Combustion, burning or explosion of articles or products of a flammable nature
- Use of any appliance, apparatus or device employing x-ray, electrical rays, radio rays, radio waves, or electronic waves
- Ear piercing, electrolysis, slenderizing, reducing, body massage, or bath treatment
- Face lifting, plastic surgery
- Use of any electrical or mechanical apparatus or device for massage
- Chiropody (treatment of minor foot ailments), podiatry and/or any procedure involving the cutting of growths
- Use of any method or type of tanning service
- Hair implants or transplants
- Illegal or dishonest acts
- Goods or products manufactured by, bottled by, rebottled by, or repackaged by the insured
- Goods or products sold under the insured's label
- Withdrawal, inspection, repair, replacement, or loss of use of products manufactured by, bottled by, rebottled by, repacked by, or sold under the insured's label or that of an affiliate owned or controlled by the insured.
One of our insurance professionals is the person to talk to when you want to make sure that making the public more beautiful doesn’t include the chance of ugly, uninsured losses.