Malpractice insurance is purchased by the

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Prepare for the Ohio Esthetics State Board Exam with our comprehensive quiz. Use flashcards and multiple choice questions with explanations to ensure your success on test day.

Multiple Choice

Malpractice insurance is purchased by the

Explanation:
Malpractice insurance protects a business and its staff from claims of negligence in the services provided. The salon owner is the one who purchases this coverage because it is the business entity that bears the risk and needs to protect its assets. The client isn’t buying insurance for the service, and the employee may be covered under the employer’s policy rather than purchasing it themselves. A broker may help obtain the policy, but the buyer—the party taking on the risk and paying for the coverage—is the salon owner.

Malpractice insurance protects a business and its staff from claims of negligence in the services provided. The salon owner is the one who purchases this coverage because it is the business entity that bears the risk and needs to protect its assets. The client isn’t buying insurance for the service, and the employee may be covered under the employer’s policy rather than purchasing it themselves. A broker may help obtain the policy, but the buyer—the party taking on the risk and paying for the coverage—is the salon owner.

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