Michigan Esthetician Insurance

In order to become an esthetician in Michigan, one must first complete a minimum of 400 hours of schooling in order to be able to sit in for the state exam. A 9th grade education or equivalent is required, and applicants who want to pursue this career path must be a minimum of 17 years of age.

Once you pass your exam, your renewal of the license is required to be done every other year, by August 31; if it is not done by October 31 (a fee is assessed if you wait this long), your license is going to lapse. If you are coming in from a different state, reciprocity is allowed without additional schooling, upon showing your competence is equivalent to that of an esthetician in the state. You must also show the schooling and training you received is equivalent to what is required in Michigan.

Business insurance is not required in the state. This means you do not have to purchase premises coverage, or coverage against accidents that occur on your property. If you are a business owner, however, it is smart to own these policies.

As an esthetician, it is important to purchase an individual esthetician insurance policy, especially if your employer does not have business coverage. Your personal policy is going to protect you above and beyond what is protected by your employer’s business policy if they own one.

You can’t help the fact that claims are going to be filed against you. If you are having a bad day and injure a client, or if they are extremely unhappy with the quality of your work, they can sue you. If a client is distressed, an emotional distress claim may arise from the work you perform; malpractice and other claims are also very common in this field of work.

Since you are working so closely and on a personal level, you have to protect yourself and the license that you have worked hard to receive. A personal liability insurance policy is the only sure-fire way to ensure you are covered in the event one of these, or any other claim is filed. You can choose from varying levels of coverage and rates when selecting a policy; it is an easy way to protect yourself and your finances, as well as to protect your license from being taken away in the event a lawsuit is filed against you as a business professional in the state.