WHO IS COVERED?
This insurance program has been specifically designed to meet the unique needs of professional cosmetologists. This includes hair stylists, nail technicians, estheticians, massage therapists and others. The coverage defends and indemnifies you for alleged negligence resulting in bodily injury and property damage while performing your duties as a hair stylist.
LIMITS OF LIABILITY:
$1,000,000 of Professional Liability coverage per occurrence. "Occurrence" means any accident, including continuous or repeated exposure to substantially the same general harmful conditions.
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
The general liability coverage is provided by Riverport Insurance Company, a member of the W.R. Berkley Corporation, a publicly traded company "A+" rated by A.M. Best Company with over $2 billion in policyholder surplus. Coverage in the state of Louisiana is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.