What does professional indemnity insurance primarily cover?

Professional indemnity insurance primarily covers claims made by clients for professional negligence or mistakes that occur in the course of providing professional advice or services, which includes injury to a customer during treatment. This type of insurance protects therapists against legal costs and claims for damages arising from alleged failures in their professional duties that lead to a client sustaining an injury.

For instance, if a client claims that a treatment caused them harm or an adverse reaction, professional indemnity insurance would help cover the costs associated with defending against that claim and any damages awarded. This insurance is essential for professionals in the beauty therapy field to safeguard against potential lawsuits and financial loss that may result from their services.

The other options do not fall under the coverage of professional indemnity insurance. Loss of equipment, damage to the salon building, and the therapist's personal health expenses typically fall under other types of insurance, such as equipment insurance, property insurance, and health insurance, respectively.