National Association of Complementary and Alternative Medicines (NACAMS)
Alaska Cosmetology Insurance
If you are a professional practicing any type of cosmetology services in the state of Alaska, you will need to have completed 1650 hours or 2000 hours as an apprentice to get your license, along with successfully passing the state’s cosmetology board exams.
Once you have your license, it is imperative that you obtain professional liability insurance (also known as “errors and omissions insurance”) as a means to protect your business from the threat of liability lawsuits. One of the unfortunate realities in today’s world is that cosmetologists can be sued for negligence—whether or not they have actually done anything wrong. The only way to safeguard yourself (and by consequence your livelihood) from these types of lawsuits is by purchasing cosmetology insurance.A solid professional liability insurance policy will offer protective coverage for a wide range of cosmetology professions including hairdressers, beauticians, nail technicians, estheticians, makeup artists, and barbers.
So where or how would cosmetology insurance would come in handy? Consider the example of an esthetician who performs chemical skin peels. Based on a number of different factors that vary with each individual, a client may experience an adverse reaction to the treatment, causing his or her skin to burn. The client may sue the esthetician to receive reparations for the pain and distress of the injury. Professional liability insurance will protect the esthetician from these types of legal claims. As another example, a hairdresser may regularly perform a certain type of hair color treatment, but one particular client receives a rash on her scalp as a result of the procedure. The hairdresser could be sued not only for any damages and/or injuries suffered by the client, but also for any loss of client income that may have occurred in connection with the incident. Cosmetology insurance will protect the hairdresser against any legal claims that may be brought by the client.
You should seriously consider obtaining cosmetology insurance in Alaska. In light of the myriad of risks that face the cosmetology professional on a daily basis, obtaining the appropriate liability insurance is simply not optional. Even the most well-intentioned and safety-conscious cosmetology professional can have a negative incident with a client, and in order to protect the financial well-being of your business, it is truly better to be safe than sorry.