Hello, A professional liability policy only covers employees. If you are an independent contractor or a tenant (renting a chair), working in the owner's salon, then you are not covered by the salon owner's insurance policy. You could file a request for a determination of your employment status with the Employment Development Department and/or the IRS -- and if either agency determines that you are actually a misclassified employee, and that you should be paid W-2 wages or commissions, then the owner's insurer would be required to cover you.
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No, I didn't see where I was supposed to rate you. I know thatprofessional liability and CGL policies only apply to employees, but thequestion is whether the facts of the case support a claim that the workeris actually an employee and the insurance company is avoiding liability byclaiming that the worker is an independent contractor. TB
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