Definition: Professional liability covers claims that a service you performed caused injury or loss — burns, infections, reactions, cuts or treatment damage. In the beauty industry it is often called malpractice coverage.

Why it matters for salons and spas

This is the coverage most likely to answer a real salon claim, because most beauty claims come from the service rather than the premises.

Example

A client develops a chemical burn after a relaxer and files a claim; professional liability responds.

Related terms

General Liability · Occurrence Policy · Claims-Made Policy

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