Louisiana professional liability insurance
Trolley in the streets of New Orleans

To become a cosmetologist in Louisiana, you need to complete 1500 hours, pass the state boards and the licensing exams, and renew your license annually.Working in the field of cosmetology, you are likely aware of the fact that you are working with chemicals, dangerous equipment, and other equipment that can potentially injure your clients. For this reason, having a cosmetology insurance policy in place, for personal protection, is in your best interest. If a curling iron causes burns to a client, if the hair dryer malfunctions, or if dyes cause their hair to burn or even fall off, you are in trouble without insurance. But, with the right policy in place, you are going to shield yourself of liability for these issues that do occur, issues over which you may not have any control.

Equipment tends to break over time; an insurance policy can also protect you under these situations. And, if you need to buy new equipment, you might find certain coverage options with insurance. If you injure a client, if you make a major mistake when cutting or dying their hair, or if you do something wrong when styling it, many emotional distress type of claims come out of these problems. If you are found to be guilty, this can mean a rather high-out-of-pocket costs for paying the client back due to the suffering that you have put them through. Your insurance policy is going to take care of these issues and is going to shield you from liability.

Many people make up claims; and, if they do have an injury, or are truly maimed, they might be covered from these claims. However, even if there are clients out there who are simply trying to make some money off of you, the fact that you have an insurance policy for personal protection in place is something that is going to go a long way to protect you, whether or not a claim is valid.

Since you never know what can or will go wrong in the field, you have to have the right insurance protection in place for yourself. With a great Louisiana cosmetology insurance policy, you are going to protect yourself, as well as your business, and the license that you hold. Even if it is a false claim, you are going to be covered. You won’t have to worry about high costs, or possibly losing your business and license, when you have a personal protection policy in place with a top insurance provider.