If you work in Maryland as a cosmetologist, then you’ve completed 1500 hours or 24 months of apprenticeship, passed the state board and licensing exams, and have been renewing your license every two years. It’s also imperative that you have cosmetology insurance to protect your license and career. Cosmetologists have a vital function in society, especially when it comes to bringing out the best looks in someone. However, while cosmetologists work their miracles, there is always a risk that they may cause injury or harm to a client. In cases like these, it is ideal that you have insurance to cover you.
Cosmetology encompasses several professions, including barbers, nail technicians, make-up artists, estheticians, hairdressers, or beauticians. If you are still undecided if cosmetologist insurance is right for you, then below are a few advantages that might change your mind.
For example, a hairdresser is servicing her client who wants to have her hair dyed. The hairdresser accidentally leaves the dye treatment for too long. As result of this accident, it causes hair damage and scalp burns.
The client then sues for emotional distress on top of loss of wages and bodily injury. If you have cosmetologist insurance, then you can rest easy, as the insurance will cover the damages for you.
Treatment Gone Wrong
A client wants to have a chemical peel on her skin and face. An esthetician happily obliges such request. However, the client recently came back from a tropical vacation, which meant that her skin was exposed to too much sunlight. This causes unattractive skin burns and pain. The client then sues the esthetician. If you are the esthetician in the scenario, wouldn’t you be glad to have a cosmetologist policy that will protect you and your finances during the lawsuit?
A cosmetologist uses a high-end moisturizer on a client. At home, the client puts on more of the product, which suddenly causes a skin rash. The client then sues the cosmetologist for damages, as she was the one using a “faulty” product. Having cosmetologist insurance will cover you from third-party claims that may have caused bodily injury. However, keep in mind that third-party claims have limits, so be sure to ask for exact details from your insurance company.
Client Property Damage
A hairdresser is asked to do an on-site service at a client’s home. One of the hairdresser’s pieces of equipment malfunctions and causes a small fire. The client then sues for mental distress and property damages. With cosmetologist insurance, you do not have to worry about such things, as the insurance company will cover it for you.
While it is true that the services of a cosmetologist are close to priceless, there are unforeseen risks that may cause disastrous results. If you are worried about such things from happening to you, events over which you could lose your professional cosmetologists’ license, then you might want to inquire about getting an insurance policy suited for professionals as a means to protect your livelihood.