Definition: An occurrence policy covers incidents that happen while the policy is active, no matter when the claim is filed — even after the policy ends.

Why it matters for salons and spas

Most salon general liability is occurrence-based, and many beauty professional liability plans are too, which protects you when you switch carriers.

Example

A claim filed two years later for a 2026 service is covered by the 2026 occurrence policy.

Related terms

Claims-Made Policy · Retroactive Date

Learn more: occurrence vs. claims-made · full glossary · salon insurance questions.

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