Professional estheticians who intend on operating a business in the state of Kansas need to be aware of the importance of obtaining Kansas esthetician insurance. This type of insurance is an absolute necessity in light of the many legal threats that exist in our litigious society today.Although individual contractors and employees are statistically less likely to be sued than larger mega-corporations, the threat of being blindsided by a lawsuit from a disgruntled client still exists, and this threat must be taken seriously in order to protect yourself and your practice from potential financial ruin.
Requirements for Kansas Estheticians
Estheticians fall under the general umbrella of the cosmetology profession, a line of work that upholds strict licensing requirements in the state of Kansas. According to the Kansas Board of Cosmetology, estheticians are required by law to complete the following requirements in order to obtain a license in cosmetology:
Attend a licensed cosmetology school
Complete a minimum of 1,000 required training hours
Successfully pass a Kansas State Board of Cosmetology-issued licensing exam
Once these requirements have been met, you can begin conducting business as an esthetician in the state of Kansas.
Importance of Having Insurance
What most estheticians may not take into account is the fact that all of their hard work and long hours of training can be put in jeopardy by one simple lawsuit if they are not covered by any type of esthetician insurance. The esthetician’s line of work carries several unique inherent risks, since the majority of their business practices involve improving the skin condition of their clients.
As anyone can imagine, this is a line of work that allows very little (if any) room for error, and one treatment or procedure gone wrong is enough to trigger legal claims that can be potentially devastating to the life and health of your business. For example, if a chemical peel treatment were to go wrong, or if a client were to experience severe allergic reactions due to a particular facial scrub, this could result in a client taking legal action that could be nothing short of catastrophic for your business.
The best move to make is to obtain esthetician insurance that protects you from professional liability claims, which basically state that the esthetician caused some type of injury or damage due to negligence or lack of professional competence. Another important component of your insurance policy is what’s known as general liability (often called “trip and fall”), which protects you in case a customer slips and falls, or gets injured on a piece of business equipment (e.g., a salon chair), or any number of other accidental occurrences.
The important thing to remember is that accidents can and do happen, and as the old saying goes, “An ounce of prevention is better than a ton of cure.” In this case, the small expense necessary to maintain proper esthetician insurance coverage could help prevent a potentially disastrous financial burden later down the line.