Yes. Application or treatment services add professional liability exposure. Disclose them.
Ordinary shoplifting generally isn't. Crime coverage responds to employee dishonesty and robbery.
Yes. Shared testers create contamination and reaction claims, and hygiene protocols are your defense.
Yes. POS and loyalty programs hold card data, and breach obligations apply regardless of size.
Yes. Chain of distribution liability names the retailer alongside the brand.
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.
