{"id":479,"date":"2020-04-02T23:30:00","date_gmt":"2020-04-03T06:30:00","guid":{"rendered":"https:\/\/probeauty.org\/?p=479"},"modified":"2023-06-22T23:32:08","modified_gmt":"2023-06-23T06:32:08","slug":"liability-coverage-with-your-pba-insurance","status":"publish","type":"post","link":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/","title":{"rendered":"Liability coverage with your PBA insurance"},"content":{"rendered":"\n

While being an independent contractor or individual stylist during this time can be difficult, we at PBA are doing everything in our power to make sure our Member\u2019s can fully understand the insurance coverage and resources available during this time. PBA partners with an industry insurance specialist who offers liability coverage at a discounted PBA Member rate. However, a government-required shutdown loss of business is unfortunately not covered by the policy. We took some time this week to talk with Jenny at Universal Insurance to make sure you know exactly what your policy does for you.<\/p>\n\n\n\n

So, if you have Professional Liability coverage, what does that mean for you? Well, \u201cthis is coverage for accidents or negligent acts that arise while performing your covered services.\u201d However, it is important to note that many independent contractors only have Professional Liability coverage in place with no Property or General Liability coverage \u2013 meaning there will be no Business Interruption coverage. Business Interruption coverage is only triggered when suspension of business is caused by a physical loss, such as a fire.<\/p>\n\n\n\n

This is a very uncertain time for everyone right now, but there are daily updates on government rules, regulations and resources that will help the industry during this difficult time.<\/p>\n\n\n\n

Stay safe, stay informed, and for all up-to-date information and details, please visit https:\/\/www.probeauty.org\/2020-coronavirus-faqs.<\/p>\n","protected":false},"excerpt":{"rendered":"

While being an independent contractor or individual stylist during this time can be difficult, we at PBA are doing everything…<\/p>\n","protected":false},"author":3,"featured_media":480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11,19,21],"tags":[],"insight_type":[],"class_list":["post-479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coronavirus","category-membership","category-news"],"acf":[],"yoast_head":"\nLiability coverage with your PBA insurance | Pro Beauty Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Liability coverage with your PBA insurance | Pro Beauty Association\" \/>\n<meta property=\"og:description\" content=\"While being an independent contractor or individual stylist during this time can be difficult, we at PBA are doing everything...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Pro Beauty Association\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/professionalbeautyassociation\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-03T06:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-23T06:32:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Cess Peligrino\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@probeautyassoc\" \/>\n<meta name=\"twitter:site\" content=\"@probeautyassoc\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\"},\"author\":{\"name\":\"Cess Peligrino\",\"@id\":\"https:\/\/www.probeauty.org\/#\/schema\/person\/66df771f73b1762e3f0db718a8913ec5\"},\"headline\":\"Liability coverage with your PBA insurance\",\"datePublished\":\"2020-04-03T06:30:00+00:00\",\"dateModified\":\"2023-06-23T06:32:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\"},\"wordCount\":232,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.probeauty.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg\",\"articleSection\":[\"Coronavirus\",\"Membership\",\"News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\",\"url\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\",\"name\":\"Liability coverage with your PBA insurance | Pro Beauty Association\",\"isPartOf\":{\"@id\":\"https:\/\/www.probeauty.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg\",\"datePublished\":\"2020-04-03T06:30:00+00:00\",\"dateModified\":\"2023-06-23T06:32:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage\",\"url\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg\",\"contentUrl\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg\",\"width\":600,\"height\":600,\"caption\":\"Hospital bed with pillow and a blue blanket\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.probeauty.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Liability coverage with your PBA insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.probeauty.org\/#website\",\"url\":\"https:\/\/www.probeauty.org\/\",\"name\":\"Pro Beauty Association\",\"description\":\"Professional Association For The Beauty Industry\",\"publisher\":{\"@id\":\"https:\/\/www.probeauty.org\/#organization\"},\"alternateName\":\"PBA\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.probeauty.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.probeauty.org\/#organization\",\"name\":\"Pro Beauty Association\",\"alternateName\":\"PBA\",\"url\":\"https:\/\/www.probeauty.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.probeauty.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/07\/professional-beauty-association-logo-dark.png\",\"contentUrl\":\"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/07\/professional-beauty-association-logo-dark.png\",\"width\":622,\"height\":194,\"caption\":\"Pro Beauty Association\"},\"image\":{\"@id\":\"https:\/\/www.probeauty.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/professionalbeautyassociation\",\"https:\/\/x.com\/probeautyassoc\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.probeauty.org\/#\/schema\/person\/66df771f73b1762e3f0db718a8913ec5\",\"name\":\"Cess Peligrino\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.probeauty.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/403ce3cd17e481c74633799530d6a67f79a9a3dd63d1722ac7e506949b43d80a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/403ce3cd17e481c74633799530d6a67f79a9a3dd63d1722ac7e506949b43d80a?s=96&d=mm&r=g\",\"caption\":\"Cess Peligrino\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Liability coverage with your PBA insurance | Pro Beauty Association","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Liability coverage with your PBA insurance | Pro Beauty Association","og_description":"While being an independent contractor or individual stylist during this time can be difficult, we at PBA are doing everything...","og_url":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/","og_site_name":"Pro Beauty Association","article_publisher":"https:\/\/www.facebook.com\/professionalbeautyassociation","article_published_time":"2020-04-03T06:30:00+00:00","article_modified_time":"2023-06-23T06:32:08+00:00","og_image":[{"width":600,"height":600,"url":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg","type":"image\/jpeg"}],"author":"Cess Peligrino","twitter_card":"summary_large_image","twitter_creator":"@probeautyassoc","twitter_site":"@probeautyassoc","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#article","isPartOf":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/"},"author":{"name":"Cess Peligrino","@id":"https:\/\/www.probeauty.org\/#\/schema\/person\/66df771f73b1762e3f0db718a8913ec5"},"headline":"Liability coverage with your PBA insurance","datePublished":"2020-04-03T06:30:00+00:00","dateModified":"2023-06-23T06:32:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/"},"wordCount":232,"commentCount":0,"publisher":{"@id":"https:\/\/www.probeauty.org\/#organization"},"image":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg","articleSection":["Coronavirus","Membership","News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/","url":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/","name":"Liability coverage with your PBA insurance | Pro Beauty Association","isPartOf":{"@id":"https:\/\/www.probeauty.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg","datePublished":"2020-04-03T06:30:00+00:00","dateModified":"2023-06-23T06:32:08+00:00","breadcrumb":{"@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#primaryimage","url":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg","contentUrl":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/06\/hospital-bed-with-a-pillow.jpg","width":600,"height":600,"caption":"Hospital bed with pillow and a blue blanket"},{"@type":"BreadcrumbList","@id":"https:\/\/www.probeauty.org\/liability-coverage-with-your-pba-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.probeauty.org\/"},{"@type":"ListItem","position":2,"name":"Liability coverage with your PBA insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.probeauty.org\/#website","url":"https:\/\/www.probeauty.org\/","name":"Pro Beauty Association","description":"Professional Association For The Beauty Industry","publisher":{"@id":"https:\/\/www.probeauty.org\/#organization"},"alternateName":"PBA","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.probeauty.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.probeauty.org\/#organization","name":"Pro Beauty Association","alternateName":"PBA","url":"https:\/\/www.probeauty.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.probeauty.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/07\/professional-beauty-association-logo-dark.png","contentUrl":"https:\/\/www.probeauty.org\/wp-content\/uploads\/2023\/07\/professional-beauty-association-logo-dark.png","width":622,"height":194,"caption":"Pro Beauty Association"},"image":{"@id":"https:\/\/www.probeauty.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/professionalbeautyassociation","https:\/\/x.com\/probeautyassoc"]},{"@type":"Person","@id":"https:\/\/www.probeauty.org\/#\/schema\/person\/66df771f73b1762e3f0db718a8913ec5","name":"Cess Peligrino","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.probeauty.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/403ce3cd17e481c74633799530d6a67f79a9a3dd63d1722ac7e506949b43d80a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/403ce3cd17e481c74633799530d6a67f79a9a3dd63d1722ac7e506949b43d80a?s=96&d=mm&r=g","caption":"Cess Peligrino"}}]}},"_links":{"self":[{"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/posts\/479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/comments?post=479"}],"version-history":[{"count":1,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/posts\/479\/revisions"}],"predecessor-version":[{"id":481,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/posts\/479\/revisions\/481"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/media\/480"}],"wp:attachment":[{"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/media?parent=479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/categories?post=479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/tags?post=479"},{"taxonomy":"insight_type","embeddable":true,"href":"https:\/\/www.probeauty.org\/wp-json\/wp\/v2\/insight_type?post=479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}