Question 1

What is a common misconception about Professional Liability (E&O) for Salons & Spas?

Accepted Answer

Salons think GL covers chemical injuries. GL excludes 'professional services.' You need salon professional liability.

Question 2

What happens if salons & spas don't have Professional Liability (E&O)?

Accepted Answer

Chemical burn from color treatment causes hair loss and scalp damage — $30K settlement. Professional liability pays.

Question 3

What is a common misconception about General Liability for Salons & Spas?

Accepted Answer

Wet floors and chemical surfaces create slip/fall exposure.

Question 4

What happens if salons & spas don't have General Liability?

Accepted Answer

Customer slips on wet floor — $14K. GL pays.

Question 5

What is a common misconception about Workers' Compensation for Salons & Spas?

Accepted Answer

Hairstylists face high carpal tunnel and back injury rates.

Question 6

What happens if salons & spas don't have Workers' Compensation?

Accepted Answer

Stylist files repetitive-motion claim — $20K. WC pays.

Question 7

What is a common misconception about Commercial Property for Salons & Spas?

Accepted Answer

Salon buildouts are expensive ($75K+).

Question 8

What happens if salons & spas don't have Commercial Property?

Accepted Answer

Plumbing leak destroys equipment — $30K. Property pays.

Question 9

What is a common misconception about Employment Practices Liability (EPLI) for Salons & Spas?

Accepted Answer

Booth-rental classification is contested in many states.

Question 10

What happens if salons & spas don't have Employment Practices Liability (EPLI)?

Accepted Answer

Misclassification suit by booth renter — $40K. EPLI pays.

Salons & Spas Insurance Coverage Guide | RISKX