Let’s face it – worrying about liability insurance isn’t what you had in mind when you decided to become a cosmetologist in New Hampshire. More likely, you were focused on getting the 1500 hours or 3000 of apprenticeship the state requires and passing the board and licensing exams so you could get your license in the state. However, along with your license, insurance is actually one of the most important things you need in your career. This is because there are specific risks that you face and if you aren’t adequately insured, they could leave you in financial ruin.Whether you are just starting out or have been in the cosmetology industry for many years, get insurance coverage that is tailored to the cosmetology profession to protect your life, your ability to earn income, and your reputation. Not only can cosmetology insurance protect you against lawsuits by paying for your legal fees, but it will also protect your assets by paying for damages arising out of your practice. In New Hampshire, it is not mandatory for cosmetologists to have professional liability insurance. However, because it is cheap and has many advantages, it is always advisable to buy coverage.
Why You Need Liability Insurance for Cosmetologists
As a cosmetologist in New Hampshire, you provide a range of beauty services to your clients. Your clients completely trust your training, skills, and judgment when they pay you for services. But, if your clients feel you made a mistake or your services caused harm to them, then it is possible they could sue you for the actual or perceived damages. Whether you’re held responsible or not you must be able to defend yourself. That’s why it is extremely important for you (as a cosmetologist) to carry liability insurance.
Cosmetology insurance provides financial peace of mind, as well as protection. It is specifically designed to protect you legally and financially in the event a client files a lawsuit alleging that you caused them to suffer bodily harm or property damage during the course of the beauty therapy. Any mistake, mishap, or accident while giving beauty treatments could lead to an expensive lawsuit and a claim against you. Whether you’re actually responsible for it or not is beside the point. When a lawsuit is filed against you, you’ll have to pay for your legal defenses and also lose income as you have to spend time away from work while attending court sessions.
Without proper insurance coverage, it can be quite expensive to defend yourself against customer complaints and lawsuits. Remember: Good lawyers don’t come cheap. But, if you have cosmetology insurance coverage, you may be able to afford the best lawyer in town. Your policy will pay for court costs, legal fees, and any judgments that may be entered against you up to the policy limit. By having this type of insurance, you can enjoy peace of mind knowing that you have someone who can back you up should the unfortunate happen. Your insurance provider will provide the much-needed support if a lawsuit is filed against you.