What Estheticians Need to Know About Eyelash Extensions Insurance

Estheticians can provide an array of services, but most find a specialization or niche to hone their craft. One such cosmetic treatment that estheticians can specialize in is eyelash extensions, which have recently become increasingly popular. 

However, as with most treatments, eyelash extensions have potential risks that can lead to lawsuits and financial stress without the backing of proper liability coverage. This is why estheticians should always have eyelash extension insurance to protect their business and long-term success. 

In this article, we discuss the importance of liability insurance, explore the coverage limits, and detail everything an esthetician needs to know about an eyelash extension insurance policy.

What Is Eyelash Extension Insurance?

While eyelash extensions and treatments like tints and LVL lashes are generally considered safe, there's always a potential risk associated with dealing with delicate eye areas. In case of an unforeseen accident or reaction, the client can accuse the esthetician, who is then held liable for their actions. Defending yourself against these claims is costly, can ruin your credibility, and disrupt the operation of your business.

This is where eyelash extension insurance comes into play. This type of insurance acts as a risk management strategy, safeguarding your business and reputation as a lash technician. 

Eyelash extension insurance protects an esthetician from risks while performing advanced procedures and providing skin care treatments. It can also help cover costs like medical bills and lawyer fees if a lawsuit were to arise requiring you to pay damages. 

What Does Eyelash Extension Insurance Cover?

As an esthetician, understanding the different types of eyelash extension insurance and their coverage is essential for protecting your business from costly lawsuits. Whether you operate in a salon, provide mobile or at-home services, NACAMS policies safeguard you against claims related to accidents, malpractice, client injuries, and client property damage. Here are the key insurance types and coverage examples:

General Liability Insurance

General liability insurance is designed to protect estheticians from third-party claims, including bodily injuries caused by accidents, such as slips and falls, or damage to a client’s property on the premises. For example, if a mobile esthetician accidentally spills a product on a client’s couch, this coverage helps compensate for the damage.

General liability insurance can also cover medical expenses, legal fees, and other related costs, helping you avoid unexpected financial burdens. However, it does not cover damage to the esthetician's own property or rented space. This typically falls under commercial property insurance, which may also include business interruption coverage for income loss due to insured events.

Professional Liability Insurance

Professional liability or malpractice insurance defends estheticians from claims of errors, omissions, or negligence regarding their provided services. This is a must-have since estheticians perform procedures with inherent risks, especially around sensitive areas such as the eyes. With NACAMS professional liability insurance, estheticians can confidently offer services like microneedling, microblading, and lash applications, knowing they’re covered. 

Additionally, product liability is included within the professional liability coverage, ensuring protection against claims arising from products used during treatments. This is crucial for estheticians, as clients may have allergic reactions or adverse effects to adhesives, cleansers, and serums. 

Personal Injury and Advertising Coverage

Advertising coverage covers claims of slander, libel, or false advertising against your brand. The policy covers legal costs and potential settlements to safeguard your reputation and business from harmful allegations.

Identity Theft Protection Coverage

Identity theft coverage offers estheticians protection from cyber threats and unauthorized use of personal information. It typically includes credit monitoring, dark web scanning, and recovery services in case of identity fraud that may cause financial and reputational damage.

How Much Does Eyelash Extension Insurance Cost?

The price of eyelash extension insurance varies based on multiple factors, such as the number of employees, the scope of the business, the esthetician's experience, the types of services offered, and any past claims. 

NACAMS offers a comprehensive policy for one flat rate of $179 per year, providing up to $2 million per occurrence and $3 million annually in professional and general liability coverage. The policy also includes $2 million in personal injury and advertising coverage and $25,000 in identity theft protection.

With occurrence form coverage, immediate certification, and nationwide protection, NACAMS gives estheticians the confidence to operate their businesses, knowing they have industry-preferred coverage designed to support their professional needs.

How to Pick the Right Eyelash Extension Insurance

Picking the right eyelash extension insurance plays a crucial role in protecting your business and ensuring the operation of your services as an esthetician in the long term. Here are some guidelines to follow that can help you find the perfect insurance as a lash technician:

Know About Legal Requirements

Insurance requirements tend to vary between different states and countries. Certain states have made it mandatory for estheticians to acquire specific types of coverage before they can practice. Ensure that you are aware of these local regulations and that the insurance package complies with them. 

Additionally, your new employer may require your esthetician insurance certificate to grant you the role. 

Understand Policy Exclusions

Eyelash extension insurance, like all policies, comes with certain limitations. As an esthetician, you must review these exclusions beforehand to see exactly which procedures and products are covered. 

An insurance provider may also specify certain services as experimental and unapproved. Take time to learn about NACAMS policy exclusions and see if they cover the cost of the services you provide.

Claim Handling and Disputes

As an esthetician, you should familiarize yourself with the claim filing process. This includes knowledge about when a claim is filed, what documentation is required, and record-keeping of customer interactions, consent agreements and treatment specifics. 

It is also advised to consult a risk management consultant or legal counsel to handle disputes with third parties and resolve complex situations with clients or insurance providers.

Learn Everything You Need to Know With NACAMS

While eyelash extensions are a much sought-after service provided by estheticians, they come with their fair share of risks. From allergic reactions to accidental injuries, any accidental mishap can put your career and business in jeopardy if not protected by insurance.

Professional liability insurance acts as a safety net for estheticians, allowing them to practice their skills with confidence and peace of mind. A NACAMS insurance policy promises esthetician coverage for more than 500 modalities for no extra cost! 

Get insured today and continue providing excellent & protected services to your clients without fear of legal repercussions.

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