As a cosmetologist in Florida, having completed your 1200 hours and passed the state’s required board and licensing exams, whether you become a hairstylist or skincare specialist, you’ll give “hands-on” beauty and complementary therapy treatments to clients to enable them look and feel their best. The service you provide is extremely beneficial, yet there are some risks involved. In order to manage any risk to you and your practice, you need to buy appropriate cosmetology insurance.
Insurance Protects Your Professional Practice
As a barber, hairstylist, makeup artist, esthetician, nail technician, or any other cosmetology professional in Florida, your work involves coming in close contact with people. This, unfortunately, has the potential to pose a risk as accidents can happen all too easily. Remember, if you injure a client or damage their property in any way while cutting or coloring their hair, waxing their skin, or performing any other beauty treatment, you could be liable for considerable damages which, without insurance coverage, could put you out of business.
Good Insurance with Broad Coverage Will Adequately Protect Your Practice
If you work as a cosmetologist, your customers depend on your services to help them look their personal best. No matter how careful or methodical you may be, accidents can happen. A client might not enjoy the results of your work and decide to file a lawsuit against you for emotional distress or even financial loss. Moreover, many of the electrical tools and equipment, as well as beauty products, have the potential to cause injury to clients. A small mishap, such as an accidental slip of the hand, or a product malfunction, could cause bodily injury or property damage and ultimately a claim against you.
A lawsuit, won or lost, or even the threat of a lawsuit, could cost you dearly in savings, assets, reputation, future earnings and even your job, not to mention time and stress. Most employer-provided insurance coverage doesn’t cover you when you perform work outside your workplace or beyond your job description, nor does it cover private practice at your home, client’s place, or any other off-site location. Without your own individual cosmetology liability insurance coverage, you could find yourself without protection against potentially damaging legal claims.
Whether you practice at a local cosmetology facility, home, or you travel to clients’ homes as an independent contractor, you can protect yourself against the legal costs and consequences of a lawsuit with appropriate cosmetology insurance in Florida. A good comprehensive cosmetology insurance coverage should include: professional liability, general liability, products liability, and renters liability insurance. Such comprehensive coverage will cover legal fees, court costs, and any judgments entered against you if you are sued.