Archive for Spa & Beauty
Acupuncture is a stress and pain management health care service that involves placing needles in specific parts of the body. It is usually viewed as an alternative medicine but is increasingly accepted as a health care profession. This coverage insures the general liability and professional liability exposures of acupuncture specialists.
Barber Shop Liability
Most Businessowners Policies (BOPs) provide liability coverage on barber shops, including professional liability. However, barber shops with operations that make them ineligible for BOP treatment must use a market that specializes in their unique exposures.
Beauty & Barber Shops
Most Businessowners Policies (BOPs) provide liability coverage on beauty shops, including professional liability. When the BOP option is not available or when the professional liability exposure is more extensive than the coverage the BOP provides, a stand-alone professional liability policy is available. The specialty market underwrites the many different services that beauty shops offer and provides a combination of general liability and professional liability coverage.
Body Piercing Liability
Body piercing is an ancient art form that adorns the body with jewelry. Rings and other jewelry are placed through piercings into the nose, navel, and other parts of the body. Specialists in tattoo shops and beauty parlors who operate as independent contractors often provide body piercing services.
Spas & Day Spas
Tattoo & Body Piercing Parlors
Tattooing is an ancient art of permanent body marking first practiced by African and Egyptian cultures. It has long been identified with soldiers and sailors of many nations. Tattooing has become increasingly popular as a unique form of self-expression. Some tattoo parlors also provide body piercing. While tattoo parlors have traditionally occupied inner-city locations some operations have expanded into suburban and rural areas. Blood-borne diseases and allergic reactions are the primary liability concerns.
Tattoo Removal Liability
Doctors and clinics that remove tattoos can purchase professional liability coverage. This coverage developed as a result of demands by adults who wanted to remove tattoos they received when they were younger. New laser technology makes removing tattoos less painful and less expensive, but the new dyes and the more colorful tattoos are making complete removal more and more difficult.