Mistakes can occur and unexpected events can ruin one’s career in the field of cosmetology; for these reasons, holding a personal South Carolina cosmetology insurance policy is something all professionals in the field should consider. Professional cosmetologists in the state must complete 1500 hours, pass the state board exams and licensing exam, and continue to renew their licenses every other year. Operators must also complete 12 continuing education credits between renewals.
With annual plans for rates as low as $200 with some insurers, or even less, it is not only an affordable way to protect yourself, it is also the easiest way to avoid major expenses when an accident does occur. Plus, the cost of insuring is much less than the long-term cost of potentially losing your license.
When choosing a liability insurance policy, it is important to find one that provides sufficient coverage and protects you from different forms of liability in the workplace.
General liability coverage
Your employer probably carries a general policy on employees and their property. However, that coverage may not extend to you. Plus, what if you cause an injury, or burn a client, or what is you use the wrong chemical dye, which causes an adverse reaction? You are liable, not your employer. Further, your own cosmetologist policy should have general liability protection included that will cover you specifically against bodily injury, property damage claims, and those “slip and fall” accidents. Also, just because your employer may have insurance, as a contractor, or even as an employee, you may be sued personally along with the place of business. Having your own cosmetologists insurance in place will help protect from the injuries and unforeseen events that can take place in the salon, or another private premises, where you work.
If you are uninsured, your personal assets, including your car, personal property, or even your home, can be taken from you. You can easily avoid this, for a very low payment each year, by having sufficient levels of coverage with a great insurance provider. Not only will the right policy shield you from professional liability, but it is also going to cover you if one of those unexpected, unfortunate circumstances should occur.