A business owners policy covers chairs, stations and contents, plus lost income after a covered loss.
Yes, if you use online booking or store card data. Breach obligations apply at any size.
Yes, under professional liability. Sanitation documentation is your defense.
No. Injury from the service itself is professional liability. General liability covers a client slipping.
Usually yes. The shop's policy generally doesn't extend to independent renters.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
