What it does
BP 08 09 addresses liability for bodily injury, property damage, personal and advertising injury or other injury arising out of the rendering of or failure to render specific services in the operation of the insured's beauty salon. It removes the effect of the BP 00 03 professional services exclusion for the services the endorsement describes.
Who needs it
Full-service beauty salons, nail salons and day spas whose services go beyond hair cutting – nail care, facials, waxing and similar personal-grooming services.
Quoting and selling notes
- List every service offered; some carriers exclude or surcharge services such as laser, injectables, microblading, tanning or tattooing, which may fall outside the endorsement.
- Ask about booth renters and independent contractors and whether they carry their own coverage.
- Use BP 08 01 for barber shops and hair-only salons; Illinois uses its own version (BP 08 60).
