If you are a practicing cosmetology professional in the state of California, having the appropriate liability insurance coverage is just as important as being able to consistently book clients. Cosmetology covers a wide range of services pertaining to the treatment of hair, skin, and nails, and one of the unfortunate realities of the cosmetology profession is that accidents can and do happen. The topic of insurance for cosmetologists in California is not always fun to discuss, but it is an absolute necessity in order to protect your livelihood from various lawsuits that may be brought against you by disgruntled clients.
Sadly, in these turbulent economic times, people are more willing than ever to file lawsuits against those whom they perceive to be “easy targets,” such as small businesses or self-employed service professionals. Your business can be adversely affected by the threat of litigation even if you have done nothing wrong.
Insurance for cosmetologists in California typically covers two main types of scenarios: professional liability (a.k.a. “malpractice”) and general liability (a.k.a. “slip and fall”). Professional liability pertains to any grievances or claims brought against you by clients who claim to have suffered injury or damages due to some type of error or negligence on your part. Examples of this could include an infection received from a nail treatment, or chemical burns on the scalp due to an improper technique employed in a hair color treatmenting wrong.
Some cosmetology insurance policies also cover ancillary scenarios such as stolen equipment. While each extra aspect of coverage also adds to the total premium paid, the general rule is that the more coverage you have, the better off you’ll be in terms of protecting your livelihood from financially draining lawsuits or adverse incidents. While most cosmetology professionals are well-trained in the area of safe working practices, the risk of an accident happening on the job can never be fully eliminated. For this reason, obtaining cosmetology insurance in California is a financially sound and professionally prudent choice to make.
Sadly, in these turbulent economic times, people are more willing than ever to file lawsuits against those whom they perceive to be “easy targets,” such as small businesses or self-employed service professionals. Your business can be adversely affected by the threat of litigation even if you have done nothing wrong.