When it comes to health, beauty and well-being coverage, two of the major clients that fall into this area are day spas and medical spas. Others may include fitness and personal trainers, therapists, cosmetologists, and hair stylists. The risk and coverage issues may be similar to those found in other businesses, and some are completely unique to these specialties.
The coverage required for these types of businesses depends in large part to their risk management strategy, explains Alicia Cardinale, underwriting leader for allied health with Hiscox. Because many of the individuals who work in these establishments are independent contractors, they frequently carry their own insurance and may not need to be included on the employing entity’s policy as insureds.
Most businesses in this channel will carry general liability insurance and professional liability coverage because of the nature of the services offered. Cardinale says, “It’s good to have these policies with the same carrier because there is a lot of grey-area between these coverages and sometimes it’s hard to identify the line between professional liability and general liability in a claim.”
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