Insurance policies protect salon owners against

• A. Theft
• B. Malpractice Lawsuits
• C. Employee Theft
• D. Customer Complaints

Answer: (B)

Professional liability coverage, often called errors and omissions insurance, protects salon owners from claims that a service caused harm due to negligence or mistakes. When a client alleges that an esthetic treatment caused injury or damage, this insurance helps with legal defense and can cover settlements or judgments. It addresses the risk that comes with providing professional services. Theft and property loss are handled by crime or property insurance, and customer complaints don’t become insured claims unless they lead to a formal covered lawsuit, while employee theft requires separate crime coverage. So the protection against malpractice lawsuits is the primary reason insurance is used in this setting.