Insurance for the Health & Wellness Industry

WHO IS COVERED

Intended for individuals in the health and wellness profession, this program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

 

ELIGIBLE TRADES OR SERVICES:

Massage Category

• Aromatherapy
• Back
• Deep Tissue
• Hot Stone
• Pregnancy
• Reflexology
• Sports
• Swedish
• Thai

 

Beauty Category

• Barber
• Cosmetologist
• Hair Stylist
• Makeup Artist (non-permanent)
• Nail Technician
• Spa Technician

 

Esthetician Category

• Esthetician

 

Note: This program is not applicable to those performing tattooing, permanent makeup or body piercing services.

 

COVERAGE INCLUDES SUITS ARISING OUT OF:

• Injury or death of clients and guests
• Property damage liability
• Incidental medical malpractice
• All activities necessary to conduct of health and wellness trades or services
• Ownership use or maintenance of employment area
• General negligence claims
• Cost of investigation and defense of claims, even if groundless
• Corporal punishment

 

EXCLUSIONS

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.

 

PREMIUMS

Rates are determined based on state and level of coverage. The Liability Program rates begin at:

 

• $150.00 for Massage
• $110.00 for Massage Student
• $164.80 for Beauty
• $140.50 for Beauty Student
• $182.80 for Esthetician
• $132.80 for Esthetician Student

 

For Premiums less than $1,000.00, a $10.00 Convenience Fee will be added. For Premiums $1,000.00 and higher, a Convenience Fee equal to 2.5% of Premiums will be added. Convenience Fee does not apply in FL.

 

THE OPTIONAL COVERAGES

HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on trade or service business.

 

INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

 

SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

 

$5,000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured client or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not. This coverage does not apply to your participants.

 

EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.

 

EXCESS LIABILITY COVERAGE
This coverage provides additional liability limits increasing the liability coverage per each occurrence.