Exclusion
What Are Exclusions in Insurance?
An insurance exclusion is a specific thing your policy does not cover. They help define the scope of your coverage so you know exactly what isn’t included.
Why It Matters for Beauty and Bodywork Professionals
Knowing the insurance exclusions helps you avoid offering services your policy won’t cover. It also allows you to decide whether to request an endorsement or add extra coverage so your policy and business align.
Common Insurance Policy Exclusions in Beauty and Bodywork
Every policy is different, but these categories are often excluded for beauty and bodywork:
- Intentional harm
- Illegal acts
- Services outside of your scope or licensure
- Employment-related matters
- Cybersecurity claims
- Prior known issues
- Pollution or contamination
- Certain “high-risk” services
- Property you own or use for business (needs Tools & Supplies Coverage)
- Contractual liability (responsibilities you accept through contracts)
Your policy can cover some of these exclusions through an endorsement, so be sure to understand your coverage gaps and make any necessary edits.
Pro Tip: Find your exclusions list in the declarations section of your policy.
Exclusion vs Endorsement: What’s the Difference?
An insurance exclusion is something your policy doesn’t cover, while an endorsement is a way to change your policy (and sometimes include coverage for an exclusion).
Swipe →
| Item | What It Is | What It Does | Where You See It | Example |
|---|---|---|---|---|
|
Exclusion |
A provision that removes coverage |
Says a service, location, or cause of loss is not covered |
Policy wording and attached forms |
Microblading is excluded, so related claims aren’t covered under your policy |
|
Endorsement |
An official policy change |
Adds, removes, or edits coverage terms |
The declarations page and the endorsement document |
Cupping is originally excluded, so you add a cupping endorsement to cover your cupping services |
Where Can I Find My Policy Exclusions?
Find your policy exclusions on:
- The declarations page
- Your policy forms and endorsements
These documents spell out exactly what is and isn’t covered under each coverage type.
Additional Resources
Related Terms
Declarations Page
Endorsement
Certificate of Insurance (COI)
Coverage Details
Deductible
General Liability Insurance
Professional Liability Insurance
Policy Period
Effective Date
