Confirm the policy contemplates it and request certificates for each location.
Yes, under professional liability. Hands-on correction is a recurring claim source.
A business owners policy covers them as contents; equipment breakdown covers internal failure.
Both. Equipment breakdown covers the apparatus; professional and general liability cover the resulting injury.
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.
