Iowa professional liability insurance
State Capitol Building in Des Moines

In Iowa, you need to complete 2100 hours and pass the state board and licensing exams to earn your license; you must also complete 8 continuing education hours before renewing your license every two years. An Iowa cosmetology insurance policy is the only way to protect yourself and your well-earned license in this field. There are many benefits to owning a personal policy, but only if you have the right one. Since your employer, if you have one, may only protect you to a certain extent, if at all, you have to find a way to fully protect yourself from claims that will take place through the course of your career.

Emotional claims are one of the most common. If you do less-than-perfect job with a hair cut, if you burn a patient badly, or if you otherwise make a major mistake when cutting or styling their hair, an emotional distress claim could come out of this. The result: quite a large sum of money is going to come out of your personal reserves when you have to pay for the claim. However, if you do have a personal protection policy and you are fully covered, your license is not going to be revoked, your finances will be protected, and you will be able to continue to work in the field you love.

Loss of license is also common with certain injury claims. Since you are working with chemical dyes, this can cause damage or injury to patients; further, with equipment malfunctions, you never know how badly a patient may get hurt, if they do get burnt, or if something else should happen when you are working on them. When you have the right insurance policy in place, and when you buy your own personal protection policy, you do not have to worry about the very high cost of taking care of these claims that you would otherwise have to pay for personally, something that could put your own family’s well-being at risk.

An insurance policy can even protect your own business. If you own a small business, spa, or salon, or you work as an independent contractor, you can easily be taken out of business with a big claim, since you may not have the finances needed to carry you though a lawsuit. With the right kind of insurance policy, you are going to be covered. You want to buy a personal protection policy, as you never know what can go wrong, or who is out there trying to make a living by filing insurance claims. When you buy insurance from a top provider, you are not only protected, but you are also not going to be held liable for certain injuries. And, when major issues do occur, you will not have to pay the entire expense to the individual who is injured, putting your long-term financial health on the line.