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The Three Kinds of Insurance Every Health & Beauty Professional Needs
Professional Liability Insurance
Professional Liability insurance — also known as Errors & Omissions insurance (E&O) — is usually triggered when a business or business owner is accused of failing to properly render professional services, or that they were acting negligently.
General Liability Insurance
A Commercial General Liability policy will respond when a business or its owner is sued because someone was injured or somebody’s property was damaged. It doesn’t matter if the claim is true, the policy will cover legal expenses and any award granted.
Contents Insurance
Contents insurance is designed to protect the business’ equipment. That can include computers, stock, equipment and anything else the business and employees use to do their job. It kicks in when any of that equipment is damaged in a flood, fire, or other insured peril, or if it is stolen.