Having a cosmetology insurance policy is smart practice for individuals in the field; even if you have a policy or partial coverage with an employer, a personal policy will shield you against other forms of complaints. You never know when you will run into the client that is simply out to try to make a quick buck by suing you, or the client that truly does get hurt when you are taking care of them. For these reasons, you need to protect yourself, your reputation, and also your license — especially since you had to put in a minimum of 2000 hours or 4000 as an apprentice to get it — to ensure you are not going to lose the career you have taken the time and effort to build.

A personal policy covers you against claims of injury or a bad hair job. If you do make a major mistake, this can lead to possible issues or claims of a malpractice claim, or some kind of personal damages, a client may try to sue you for. Emotional distress is often associated with these claims, and they can end up costing you significantly if you are found to be at fault. In addition to this, losing your job is not uncommon in these types of situations either. So, having the personal insurance will shield you against these types of claims.

Another common type of claim comes from damages to property or some type of injury. Because of the fact that you are dealing with heavy equipment, high heat settings, and chemicals like hair dyes, this can lead to an injury of some kind, or equipment malfunctions. Plus, you might leave a hair dye on for too long during one of your stressful, busy days. Having a great cosmetology insurance policy set up, you will find that you can easily protect yourself, and you won’t be paying these costs yourself, putting your own personal finances at risk, if you do injure a client that comes in to the spa or a salon you own or work in.