Short answer: An occurrence policy covers incidents that happen during the policy period regardless of when the claim is filed. Most salon general liability uses this form.

The details

It protects you after you switch carriers or retire.

Compare it with claims-made forms before buying professional liability.

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

Related: occurrence vs. claims-made · occurrence definition.

More questions: Do I need EPLI for my salon? · Do booth renters need their own insurance? · Does general liability cover a slip and fall in a salon?.

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