You are a beauty professional in New York, having completed 1000 hours and passed your exams to get your license, which you renew, as required, every four years. It is your job to make sure your clients are looking their best. They come to you with trust and confidence that you can make them look good, which will make them FEEL great. Although it probably is exciting and fascinating to you that you get to touch so many peoples lives by doing what you already love to do, there is probably at least one aspect of your career that hardly (if ever) crosses your mind: cosmetology insurance.
It doesn’t matter where you work – whether it is a nail salon, a beauty store such as Ulta, or even a day spa or hair salon – there are several reasons to carry personal liability cosmetology insurance, and not ONE reason why you shouldn’t. This is your career we are talking about!
Why Should I Carry Insurance?
The spoiler to the story of the happy cosmetologist who didn’t carry personal insurance is that it doesn’t have a happy ending. He or she almost ruined his or her name and any chance at working for a renowned shop anywhere nearby – if anywhere!
The point to this short sad story is that you need to make sure you are covered BEFORE you walk in the door and greet your first client. The unfortunate reality is that it doesn’t matter if you are an esthetician or a hair dresser – accidents CAN happen, and often do. Ask any professional who has been cutting and styling hair for years – or anyone who has owned a nail salon with a great reputation. Coverage is key.
What Types of Cosmetology Insurance Are There?
There are several types of personal insurance, however, there are three main types of liability insurance to focus on:
If someone steals, or gets hurt by accidentally tripping over the trash can full of hair, you are covered. If you are a normal human being with a pulse, you have tripped over something before once or twice in your own lifetime. It happens. You just need to make sure you are adequately prepared if it were to ever happen on your watch with a client.
Professional Liability & Product Liability
These types of personal insurance is especially important for those who are considering becoming professional cosmetology or esthetics instructors. If someone were to get burned by a hot hair tool, or even somehow manage to get a chemical in their mouth (hey, some of us aren’t so lucky), you would be covered. If you are NOT, consider the costs of court procedures, fines, and of course whatever your “ex” client decides to sue you for.
Whatever it is you do in the cosmetology profession, you need to make sure you are covered. You never know when a never-ending cycle of ‘Friday the 13th’ experiences can occur, and it is much better to be prepared, than to NOT. What does your career mean to you? Your name? Think about these things and choose to protect yourself against all odds.