Henslee v. Cameron Mutual Insurance Co.

DANIEL E. SCOTT, Chief Judge.

On October 5, 2006, a beauty salon (“Salon”) bought a Cameron Mutual insurance policy that expressly excluded professional services coverage. Appellant’s scalp was severely burned two months later, on December 6, 2006, during a hair treatment at Salon.

Nearly two months after that, Salon added professional liability coverage for an additional premium. The change request stated a February 1, 2007 effective date in capital letters, as did the formal policy endorsement adding “Barbers and Beauticians Professional Liability” coverage.

Shortly thereafter, Appellant sued…