Esthetician Insurance Policy Terms Explained
Insurance contracts are dense legal instruments. We translate critical underwriting clauses, deductible structures, and endorsement forms into practical guidance for skin care practitioners.
Crucial
Occurrence vs. Claims-Made Forms
The most critical policy choice. Learn how prior acts, retroactive dates, and tail coverage affect your lifetime liability.
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Policy Structure
Per-Occurrence vs. Aggregate Limits & Deductibles
Understand what $2M/$6M limits actually mean, how zero-deductible policies work, and why defense outside limits matters.
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Lease Compliance
Additional Insured Endorsements
Why salon suite landlords and facility managers demand Additional Insured status, and what rights it confers.
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Verification
Certificate of Insurance (COI): What It Proves
How to read an ACORD 25 Certificate of Insurance, what it legally verifies, and what it strictly does not guarantee.
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