Short answer: Employee injuries are covered by workers’ compensation, not general or professional liability. Most states require comp once you have employees.

The details

Common salon employee claims include repetitive strain, chemical dermatitis, cuts and slips.

Booth renters are not covered by your comp.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: workers’ comp · workers’ comp definition.

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