Cosmetologists in Maine provide a variety of beauty services, such as skin care, scalp and facial treatments, manicures, pedicures, hair styling, shampooing, coloring, cutting, and more, to help clients look their best. You’ll have to complete 1500 hours or 2500 hours of apprenticeship, pass the state cosmetology board exams and licensing exam, and continue to renew your license annually in October to work as a cosmetologist in the state.This profession involves close contact with different types of people, and comes with some specific risks, so you’ll want to seriously consider getting insurance as soon as you are licensed to work.
Although it is easy to see why some healthcare professionals (for instance clinicians or cosmetic surgeons) need liability insurance, you might be inclined to think that the risk involved in your work as a cosmetologist is low and that, therefore, you don’t need personal liability insurance. True: The risk involved in cosmetology might be low compared to some therapies out there. But the fact remains there are certainly some specific risks when giving clients beauty treatments.
Risks of Working as a Cosmetologist in Maine
The act of giving beauty treatments typically involves some kind of personal contact, as well as the use of hazardous chemicals, supplies, tools, and equipment. Liability exposures can arise from any of these sources. A client may bring a lawsuit claiming misconduct just because you accidentally bumped into her/him while giving them a pedicure. One of your beauty products may cause skin irritation or rashes, leading to a bodily injury claim. Or one of your pieces of equipment may become defective, and may cause an injury to a client of which you could be held responsible for. Simply put: There are real risks that are involved while working as a cosmetologist.
No matter which part of the cosmetology industry you work in, whether you work as an independent contractor, an employee of a spa or salon, or as a mobile professional who travels to people’s homes, a personal liability insurance is essential for your career. Complaints, lawsuits, and misunderstandings with clients can ruin your reputation completely. A good insurance policy protects your cosmetology practice from suffering the consequences of an expensive lawsuit, which could also damage your reputation and career.
Importance of Personal Liability Insurance
In today’s highly litigious society, you can easily find yourself in trouble because of a malpractice suit, personal injury lawsuit or some other claim targeted towards you personally or against your practice. Whether you’re a personal stylist or a mobile cosmetologist in people’s homes, you face the daily risk of legal action being taken against you in respect of your legal liability for bodily injury or property damage arising during the course of your practice. One lawsuit could potentially ruin you and your career if not handled properly.
Cosmetology insurance protects you against claims made against you in regard to your legal liability for bodily injury or property damage sustained by clients arising from the course of your practice. This type of insurance will protect you against day-to-day risk, enhance your professional reputation, give you peace of mind, give peace of mind to your clients, protect your personal assets, and protect future earnings. It is something you cannot afford to ignore.