Savvy estheticians in the state of South Dakota are well aware of the necessity of having the appropriate insurance coverage in order to safeguard their businesses from potential financial strain due to various lawsuits. In light of the countless number of frivolous lawsuits that are filed against small businesses every year, having South Dakota esthetician insurance is the only way to ensure that your business will be shielded from legal threats of all kinds.
In order for you to obtain an esthetician license in the state of South Dakota, you will need to meet the following requirements to remain in compliance with the South Dakota Cosmetology Commission:
You must be at least 18 years of age, as proven by your birth certificate.
You must complete 600 hours of training and education by attending a licensed school in South Dakota, or provide proof via sworn affidavit from an out-of-state institution if transferring.
You must pass three separate examinations (written, practical and laws/rules).
Sadly, many estheticians commit the fatal flaw of immediately launching out in business after getting trained without considering the vital issue of obtaining the proper professional insurance. An esthetician’s work in particular qualifies as “high-risk,” because it deals directly with various skin services.
Unfortunately, there have been several cases of clients who received certain skin treatments or procedures (e.g., chemical peels, facials, etc.) in which certain injuries or severe allergic reactions took place, and as a result, legal action was brought against the esthetician. No matter how well-trained or well-intentioned an esthetician may be, there is still always a risk of an accident happening that no one could foresee. For this reason alone, it only makes sense to protect your business from potentially catastrophic legal action by way of obtaining the appropriate esthetician insurance.
A solid insurance policy will include three different types of coverage:
General Liability Coverage
(1) General liability coverage, which protects your business in case of any accidents that may occur on the workplace premises. This could include someone tripping and falling, or accidentally getting injured on a piece of business equipment (e.g., a defective chair, etc.).
Professional Liability Coverage
(2) Professional liability coverage, which protects your business from any claims of professional incompetence or acts of negligence. This includes any ill effects suffered from a treatment or procedure that goes wrong, etc. It can also include any financial harm suffered by a client if they have to miss work as a result of the incident.
Product Liability Coverage
(3) Product liability coverage, which will help cover the cases in which a product you used either caused an allergic reaction or some other kind of injury to a client. Offending skin creams or malfunctioning equipment are two examples that product liability insurance may cover.
Not having a solid insurance policy in place is akin to playing “Russian roulette” with your business. If you truly value the hard work, resources, and long hours of training you have invested into your business, make a sound decision to preserve it by obtaining esthetician insurance as soon as possible.