What is Fire Legal Liability Insurance (aka Damage to Premises Rented to You)?
You might not always think about the potential for fire or other catastrophic damage in your workplace or at your station. But whether it’s combustible hair spray, lit candles near the massage table, or faulty electric appliances—the hazards are there.
In fact, OSHA estimates that there are approximately 200 workplace fires in the United States every day! That’s approximately 100,000 fire-related incidents every year, costing business owners nearly $2.4 billion in damages annually.
Fire Legal Liability insurance (otherwise known as “Damage to Premises Rented to You” coverage) can protect you in cases where a space you are renting is damaged by your work-related actions. Best of all, when you buy insurance through BBI, it’s included in your general liability insurance policy at no extra cost.
How Does Fire Legal Liability Work?
Fire Legal Liability and Damage to Premises Rented are titles for a specific type of insurance coverage that are often used interchangeably. In fact, they are two parts of the same policy offered by BBI. It works like this:
“Damage to Premises Rented to You” is a type of coverage that is already included in BBI’s base insurance policy. If you rent a space to work in (studio, salon, booth, etc.) for less than 7 days, this coverage will protect you against most cases where your actions accidentally damage that space.
Here are some examples:
- You forget to turn off the sink in your salon and flooding causes rotted flooring that needs to be repaired.
- You plug in your hair dryer to an outlet at a trade show booth and overload the electrical supply, meaning an electrician needs to repair the wiring.
- The legs of your massage table damage the flooring in your rental studio and it needs to be replaced.
This is handy for when you are setting up a temporary workspace at a convention, trade show, or are otherwise traveling for business reasons.
However, If you rent that space for more than 7 days your policy limits the cases in which you are covered to damage caused by accidental fire—the name for this policy is “Fire Legal Liability.”
Example: You accidentally leave a curling iron plugged in at your booth and it ignites and causes a fire.
This coverage is less inclusive, but protects you as a long-term renter (and your Additional Insureds) against one of the most common causes of property damage in the workplace: fire. And it’s included in your BBI general liability insurance coverages, along with professional liability and more.
Fire Legal Liability insurance is automatically triggered if you are found to be liable for damaging a space rented to you by accidentally starting a fire through the course of your regular business. Cases where Fire Legal Liability can protect you include:
- A faulty extension cord on one of your tools causes an electrical fire and the smoke damages part of the building.
- Your towel warmer malfunctions causing a fire and water from the sprinklers damages an adjacent office.
- Your hair dryer or curling iron accidentally ignites some towels and destroys an entire shelf of products.
Who Needs Fire Legal Liability?
Any beauty or bodywork professionals who rents space to provide services or provides mobile services can benefit from Damage to Premises Rented to You coverage and Fire Legal Liability coverage.
Incidents where you’re shown to have accidentally damaged the space you are renting can cost thousands of dollars in damage. With Fire Legal Liability, any repair fees won’t come out of your pocket if disaster strikes.
Fire Legal Liability can also be a requirement if you want to rent a booth or a workspace, along with listing your landlord or manager as an additional insured.
How Much Does Fire Liability Insurance Cost?
Fire legal liability insurance costs $9.99 a month or $96 with an annual payment. And the good news is that it’s included in BBI’s general liability insurance coverage, so you don’t have to pay extra to get it!
Frequently Asked Questions (FAQs)
How Do I Purchase Fire Legal Liability Insurance?
Both Damage to Premises Rented to You and Fire Legal Liability coverage are included under BBI’s General Liability policy for beauty and bodywork professionals. If you’re covered by BBI, you already have it!
Get covered today – start your application for Beauty and Bodywork Insurance and get your insurance in minutes!
What’s the Difference Between Fire Legal Liability vs Damage to Premises Rented?
Fire Legal Liability and Damage to Premises Rented To You are closely related. Damage to Premises Rented To You provides protection for most forms of property damage when you are renting a space for less than 7 days. Fire Legal Liability provides protection only if there is a fire in a workspace, booth, or studio you are renting for longer than 7 days.
With BBI, you automatically receive both types of coverage with our general liability policy.
We know insurance terms can be confusing! So check out our glossary of insurance terms.
How Much Fire Liability Insurance Does My Policy Cover?
Your base BBI policy provides up to $300,000 of coverage per year. There’s also no deductible, which means you don’t have to pay anything before your policy kicks in!
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