Working as a HI cosmetologist, you will have finished 1800 hours or 3600 hours as an apprentice and completed the state’s required exams before begin your work as a professional cosmetologist. While helping others to look their best, you are going to work with various types of equipment, including hair dyes and scissors to styling tools, and other heat-related equipment. For this reason, it is important to protect yourself with the right cosmetologists insurance policy. It will protect you in the event that you encounter an unfortunate lawsuit, whether while working for someone else or as an independent contractor. It will allow you to keep your license and to avoid the possible ramifications or high costs that come along with paying a client out for a claim.
One main reason to protect yourself with cosmetologists insurance is the fact that equipment may malfunction. While it’s possible that the employer you work for is going to cover things up to a certain amount, this is not always a guarantee. If you don’t have personal insurance, you are going to be paying the remainder of the cost out of pocket. If the injuries which are sustained by a client are severe, it can really end up costing you quite a bit of money, and possibly more than you can comfortably pay; further, it can lead to damages, such as emotional distress, if a client is physically injured in any way by the equipment.
You aren’t perfect, and this is another reason that you should buy your own personal policy. If you do something a client is not happy with, if you make a mistake on their hair, if you burn their scalp, or do anything else that will result in a look that wasn’t desired, you are going to pay for it if the client decides to file a suit. Depending on how bad it is, the cost may end up being quite high, and if you do not have a personal policy, you are going to have to find a way to cover those expenses. One lawsuit could potentially put you out of business.
In this field, you never know what can go wrong or what a client is going to blame you for. Even if you are covered partially by an employer’s insurer, it is only to a certain extent. So, it is in your best interest to have a personal policy on your side. Not only does it give you the peace of mind in knowing you are covered, it is also going to protect you against false claims a client might make, which would lead to some kind of problem with your license and future career in the field.