The field of cosmetology is one that inevitably carries with it certain risks. As such, a suitable insurance policy is absolutely vital. Even so, a number of professionals in Oklahoma continue to rely on good luck, or hope that the employer or place of work will have insurance to cover them; both of these practices can be dangerous. Any business policy is often too general in scope to adequately protect the individual practitioners. It is therefore a considerably better idea to purchase an individual policy, tailored to the particular needs of cosmetologists. After completing 1500 hours, passing the exams, and keeping your license current by renewing annually as Oklahoma requires, you want to protect your investment and your long-term career. All cosmetologists are likely to perform better if they are reassured that they have the backing of a personally designed insurance policy that fits their precise needs and desires. As an example, some treatments have more serious consequences than others if they go wrong. Therefore, professionals who routinely undertake difficult or risky procedures should make sure that their policies include strong protection from claims that might be made by clients in such circumstances. Similarly, emotional distress can be a major cause of liability claims; it is extremely important that insurance provides liability protection that cosmetologists can face.
It is of great importance to realize that not all cosmetology insurance is the same. A professional who buys a sub-standard policy can put himself or herself at considerable financial risk. Given the potential for injury, distress, and damage that inevitably accompanies delicate, sometimes highly intricate cosmetology work, this importance becomes all the greater. Claims for damages in the state can often be very high, especially in cases that involve alleged bodily injury or property damage. The latter may seem an unlikely outcome, but for those who perform on-site services, it needs considering, as malfunctioning equipment may cause visual damage, or even fires, at a client’s property.
The bottom line is that a properly designed personal insurance policy is crucial for any cosmetologist in Oklahoma. Those who choose to rely on luck, or the general business policy that might cover the place at which the cosmetologist works, are running significant risks by doing so. Although the state does not require its professionals to hold such a policy, it is a matter of simple common sense that getting a cosmetologist policy is the best practice. Whatever cosmetology work you do, the benefits of having a personal insurance policy are great. All such professionals should examine their personal and professional circumstances, then get insured to protect both themselves and their clients.