National Association of Complementary and Alternative Medicines (NACAMS)
Kentucky Cosmetology Insurance
Understanding the benefits of having cosmetologist insurance in Kentucky is important if you work in this particular industry. If you work for a salon, you may initially believe that the business insurance will cover you, but that is certainly not the case. If you work as an independent contractor, you need to have your own insurance. Give yourself the correct type of coverage from the outset to make sure you have a long, happy career as a cosmetologist. After completing the 1800 hours that Kentucky requires, passing the exams, and staying current by renewing your license every year, you’ll want to take every step possible to keep your license and your career profitable and steady by getting insurance.
First, we should really explain more about this form of insurance and what marks it out as being different. This type of specialist liability insurance is going to protect you from being sued if a client has a bad reaction or experience with one of your treatments. Imagine what would happen if they had an allergic reaction to a product you used and took you to court. With an individual cosmetology policy, it is possible to limit your losses with the issues or problems that can arise when you work in the beauty industry. Every day, your performance is judged by clients who may or may not be feeling that great about life or anything else when they come to see you.
Insurance companies that provide individual coverage have studied the industry and looked at areas that may prove to be problematic for a professional cosmetologist. This kind of in-depth study is what is missing with general forms of insurance, as those policies are designed to cover any business, no matter if one is a hairdresser or builder. This can leave some potential loopholes open that can be exploited by a lawyer, so from a business point of view, it makes sense to close that loophole by getting the correct type of coverage, which is a personal policy for cosmetologists that has general, professional, and product liability coverage included.
Finally, having a personal insurance policy also gives your business greater credibility with potential clients, as you then come across as being serious about what you do. Clients feel as if they have a greater sense of protection, even though they may know nothing about insurance or even be aware of the differences between policies. However, the public face that you portray is one of the cosmetologist a client can trust, especially if you have gone that extra step to secure yourself with insurance.
In short, the reason why you should get cosmetologist insurance is to ensure that you are protecting yourself and your business livelihood from being sued as a direct result of one of your failed (or regarded as failed) treatments. Sadly, we now find ourselves in a society where people will take each other to court at any opportunity, so does it not make sense to get the correct coverage? Do yourself a favor and talk to an insurance expert and to find out the correct policy for you today.