What it does
BP 08 01 adds professional liability coverage arising out of the rendering of or failure to render professional services in the operation of a barber shop or hair salon. Without it, the professional services exclusion in BP 00 03 – which lists services for appearance or skin enhancement, hair removal or replacement and personal grooming – would remove claims such as chemical burns from color or relaxers, cuts and scalp injuries.
Who needs it
Every barber shop and hair salon on a BOP. Booth-rental salons should also check whether renters are insureds or must carry their own policies.
Quoting and selling notes
- Ask about services beyond haircuts (chemical services, extensions, waxing, nail or esthetic services); some services fall under the broader beauty salon form BP 08 09 instead.
- Confirm licensing of operators and use of independent contractors or booth renters.
- Illinois uses its own version (BP 08 50).
