What type of insurance protects a nail salon/spa against financial loss due to product-related injuries or damages?

Product liability insurance is specifically designed to protect businesses, including nail salons and spas, against financial loss that can arise from injuries or damages caused by the products they use or sell. This type of insurance covers claims resulting from defective products, such as nail polish, gels, or tools that may cause harm to clients. If a client were to suffer an injury due to a product used in the salon, product liability insurance would help cover legal costs, settlements, or judgments associated with that claim.

In contrast, general liability insurance offers broader coverage, including bodily injury, but may not specifically address product-related issues. Employee liability insurance focuses on protecting the business against claims made by employees, rather than customers, while property insurance covers damage to the physical space and its contents, not liabilities stemming from product usage.