What it does
CG 22 45 04 13 is Exclusion – Specified Therapeutic Or Cosmetic Services. It removes CGL coverage for injury or damage arising out of the therapeutic or cosmetic services specified on the form, which are expected to be insured under a professional liability policy.
Who needs it
Beauty salons, barbers, nail salons, estheticians, massage therapists, tattoo parlors and med-spas.
Quoting and selling notes
- Pair with salon or allied health professional liability.
- When a professional exclusion is attached, review the professional liability policy for bodily injury and property damage coverage, defense outside limits and the retroactive date, so the two policies fit together without a gap.
