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.
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.
General Liability Insurance
As a cosmetologist in Alabama, having general liability insurance can be extremely useful in protecting your business and reputation. This is because between the products you supply to your customers and the type of environment you operate in, there is a significant risk exposure that could lead to a general liability claim. For example, a client steps on dry hair, a slippery floor, or some slick product residue, and gets severely injured due to a slip and fall. Since the slip and fall was caused by your slippery floor, the injured client could make a claim for damages. The general liability portion of your cosmetology insurance protects you.
Professional Liability Insurance
As a qualified cosmetologist, your clients expect you to know how to produce the best possible results for their specific requirements. Although you always strive to make each and every one of your customers look and feel their best, there is a significant risk that comes with the profession and mistakes can happen at any time. For example, a skin or hair treatment could go wrong and cause a serious burn or damage to the client’s skin or hair. The injured customer can bring a lawsuit against you, claiming bodily injury from burns, emotional distress, and loss of income, because they could not return to work. Professional liability insurance for cosmetologists protects you both legally and financially if a client files a lawsuit against you that claims you made a professional mistake in which your service or faulty advice caused financial or emotional loss to them.
Alabama State Requirements
1500 hours of training or 3000 hours apprenticeship are needed to obtain a cosmetology license in Alabama. A Master license and an Instructor license are also available, requiring eight or 16 hours of continuing education respectively.