Cosmetologists in Alabama provide beauty and personal care services in a wide range of fields, such as hair dressing, make-up artistry, nail technology, esthetics technology, barbering, beauty therapy, salon services, and more. These professions typically involve getting up close and personal with clients on a regular basis, which comes with higher risks. There are also a number of non-professional liability exposures associated with serving clients in cosmetology facilities.
Alabama Cosmetology Business Insurance Requirements
Commercial general liability insurance and professional liability insurance are not mandatory for cosmetology businesses operating in Alabama. Because Alabama is a Fault state that follows the pure contributory negligence system, the plaintiff can only receive full compensation if s/he doesn’t share any liability for an accident. Personal injury awards for non-economic losses are limited to three times damages, up to $1.5 million.
Welcome to Alabama
Accidents and lawsuits (both legitimate and frivolous) do happen in the cosmetology industry, however. Just because your employer may not have to meet certain insurance requirements, if you work as a cosmetologist in Alabama, it would be wise for you to invest in sufficient cosmetology insurance coverage with an individual policy to limit your exposure. Appropriate cosmetology insurance in Alabama can prevent a legal suit from ruining your career by providing much needed financial protection.