Oregon professional liability insurance
Sunrise Over Crown Point at Columbia River Gorge

Working as a cosmetologist in Oregon entails quite a few requirements from those who want to work in this field. You must complete a total of 2300 hours, prior to getting your license. In addition to this, you are going to be required to complete 150 hours of safety and infection control, as well as 100 hours of career development. In addition to the hours, applicants will have to pass a state exam, prior to being provided the license required in order to practice in the state.Like most states, there is no requirement for a cosmetologist to purchase a personal cosmetology insurance policy. If you own a shop or salon, you must have a general liability insurance policy, as well as accidental coverage, in the event of equipment malfunction or other issues that occur on the premises. But, as a cosmetologist working for a larger employer, there are no requirements in place to purchase a personal protection policy in order for you to be able to practice in the state. So, why would you consider buying a policy?For starters, you are going to make mistakes along the way: giving a bad haircut, burning a customer, using the wrong hair dye, and more. You can’t avoid mistakes, so a personal protection policy is your best option. Additionally, if your client gets hurt while you are taking care of them in a salon, they might try to go after you, as well as the salon. Your personal cosmetology insurance coverage is going to shield you from these claims. And, you will not have to worry about the frivolous claims that may come your way by no fault of your own. And, if there is a false claim filed against you, the insurance protection that you have in place is also going to protect you from having to pay out-of-pocket expenses.

No matter how many years you have been in practice or how experienced you are, an accident can happen. Since you can’t prevent them, you might as well protect yourself for the instances when they do occur. Not only will the personal  insurance policy cover you from having to pay a high costs if a client does sue you, it is also a way to shield your license, which you have worked so hard to attain in the state.