The last thing you’d like to think of as a professional cosmetologist is obtaining insurance coverage. Regardless of whether you are self-employed individual or you are employed in a salon or spa, it is important to have an insurance policy that will cover for any unforeseen accident as you attend your client.There are a number of reasons why you need to have a personalized insurance policy. As an esthetician or cosmetologist, accidents happen inevitably. One of the reasons why you need an insurance policy tailored to cosmetologists is to help you with all the financial burdens that can result if an accident happens and the client decides to seek compensation in court.No matter what services you are offering, clients trust your skills, training, and professional judgment. Legal claims of damages can be expensive to handle. Most of the time, during the process, you will be out of job and this will mean additional loses. In addition, your professional reputation may be destroyed, since your regular customers are likely to discover why you’ve been unavailable for appointments. In sum, this can mean huge losses, and the best and most trusted way of avoiding such unforeseen losses is to obtain a personal cosmetologist insurance coverage.
There are two main areas of damages that cosmetologist insurance should cover. The first area is general liability. This is the type of insurance that covers damages that may result following a situation where the client slips, falls, or injures him or herself on your business property. For example, if there is a small puddle of water on the floor and a client slips on it, breaking his or her wrist in the process, then the client may decide to sue and seek legal compensation. In such a situation, the general liability portion of your insurance cover will be used to settle such expenses.
The second and third types of insurance are product liability or professional liability. Product liability is used to cover damages that may result from product used. For example, you may burn a client accidentally using a hair treatment product. However, if you make a mistake during a procedure, the client may go ahead and sue you for compensation since s/he may argue that the accident occurred due to your lack of sufficient skills or competence, which usually falls under the professional liability portion of your insurance.
For all services pertaining to cosmetologist insurance policies, please contact an insurance company for this and much more. Do not wait until the accident occurs to obtain an insurance policy. Plan ahead and protect your reputation as a professional cosmetologist.