Whether you’re an independent contractor, an employee of a cosmetology business, or you travel to client’s homes, you’ll need to have completed 1600 hours and passed the AZ state cosmetology board exams to get your license in the state. Insurance is also essential for all cosmetologists in Arizona. Not only can cosmetology liability insurance protect you in the event of a lawsuit, but it can also pay your legal defenses in the event of a complaint against your business or for other legal business.
Even though it’s not mandatory for a cosmetologist to have professional liability insurance in Arizona, it’s recommended to buy coverage as it can protect your livelihood. Claims can come from any of your client alleging that you, your business or employees caused personal injury, bodily harm or property damage. These claims typically come in many versions, and often have nothing to do with the beauty therapy part of your business. Here are some of the most common liability exposures in cosmetology businesses in Arizona:
Slip and fall
A client may file a lawsuit that claims that your business premises or employee caused bodily injury, medical costs or damage to their property. “Trip and fall” insurance, or general liability insurance, will protect you and your business in the event a customer trips and falls and is injured as a result. This type of coverage is important for any type of cosmetology business that allows clients into a property, and it’s one of the essential components of good cosmetology insurance in Arizona.
Professional treatment risk
A client may file a lawsuit that claims that your negligence, error, failure to perform your duty or omission caused an injury or financial loss to them. Professional liability insurance, or malpractice insurance, protects your business if a client files a lawsuit that claims that your lack of competence or skill as a cosmetologist caused financial loss to them.
A client may file a lawsuit claiming that a product used during a beauty therapy session caused some kind of injury or financial loss to them. Product liability insurance provides an extra measure of coverage for cosmetologists in the event of such a lawsuit.