Professional Liability Insurance (aka E&O insurance) – Beauty & Fitness

In a profession where you work to help others look and feel better, Professional Liability is a crucial asset. People are sensitive about appearance and if something goes wrong, the consequences can be devastating.

A Professional Liability policy for individuals and businesses in the beauty & fitness space can help cover claims alleging negligence, mistakes, errors, omissions, etc. related to the services you provide. It often covers claims when people are hurt, upset or feel under-served. A Professional Liability policy can also cover claims alleging personal injury (e.g., libel, slander, defamation, etc.).

When dealing with the public, mistakes are bound to happen. Small injuries, bad service and even offending someone can cause sizable damages, so it’s best to be prepared.

General Liability – Beauty & Fitness

A General Liability policy responds when someone gets hurt or their property is damaged, but the accident is not related to the services that you provide.

For example, clients might trip inside the salon, or they might have a weight fall on them while visiting the gym. When such accidents happen, the General Liability policy can help protect your liability and may also help pay related medical expenses if the person was injured.

A General Liability policy can also cover advertising injuries related to the promotion or solicitation of your business.

Many professionals in the beauty & fitness industry are often required to have a General Liability policy in place via a contract requirement (customer, landlord, vendor, etc.).

Business Owner’s Policy (BOP) – Beauty & Fitness

A Business Owner’s Policy (BOP) combines General Liability protection (above), with coverage for your business property, business auto liability, business interruption, and more. Most individuals and professionals in the beauty & fitness industry who rent shop space or own business property will typically purchase this convenient and affordable package.

A BOP is a package approach to some of the more common exposures in your industry.