A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage
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 $1,000,000.00
per occurrence. There is no deductible amount. Coverage is offered through the Sports and
Recreation Providers Association Purchasing Group.
Premiums
1. Services of Hair Styling, Coloring, Perms:
$175
2. Nail Services (Polishing or Filing Only):
$175 (includes coverage #1 above)
3. Services of Nail Sculpturing (False Nails):
$220 (includes coverages #1-2 above)
4. Services of Facials or Waxing:
$230 (includes coverages #1-3 above)
5. Services of Masseurs (Body Massage):
$400 (includes coverages #1-4 above)
6. Services of Permanent Make-Up (Requires Separate Application)
Note: All policies include a $25
Administrative Fee and a
$10
Credit Card Processing Fee
in addition to the premiums above. Credit Card Fee does not apply in FL.
Coverage Includes Suits Arising Out Of:
Injury or death of spectators
Injury or death of participants
Injury or death of volunteers
Property damage liability
Incidental medical malpractice
All activities necessary to conduct training
Ownership use or maintenance of fields or practice areas
General negligence claims
Cost of investigation and defense of claims, even if groundless
Corporal punishment
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.
Exclusions
Insurer
The general liability coverage is provided by U.S. Fire Insurance Company,
"A" (Excellent) rated by A.M. Best Company.
This page has been designed to illustrate the highlights of this program but is not a contract.
Some exclusions and coverages may be modified to meet individual state requirements.
For specific details, please request a sample policy.
