Working as an esthetician in Pennsylvania can be a very rewarding experience, as you are positively impacting people’s lives on a daily basis. Nonetheless, this profession has its own set of risks.
You could practice your trade smoothly for months and then one day the unexpected happens. A facial treatment goes wrong, causing a severe allergic reaction or physical injury to your client. You apply a chemical peel to the skin of a client who has recently had excessive sun exposure, and the chemical peel causes painful and unsightly skin burns. While visiting one of your client’s home for an at-home treatment, you accidentally spill a product on their new, expensive white carpet. All these are situations in which you could find yourself facing an expensive and time-consuming lawsuit.
In any situation where a customer suffers an injury or property damage due to what s/he believes to be negligence or incompetence on your part as a professional esthetician, then Pennsylvania esthetician insurance will be vital for handling the resulting legal claim without ruining your personal finances and hurting your career. But, before you obtain esthetician insurance in Pennsylvania, you’ll need to ensure you are properly licensed to practice esthetics in the state by the PA Board of Cosmetology.
Pennsylvania Insurance Requirements for Estheticians
In order to get a license in esthetics in the state of Pennsylvania, individuals must attend a licensed school and complete a minimum of 300 hours of training and then take the state’s Board of Cosmetology exam. After passing this exam, candidates will receive their Pennsylvania esthetics license shortly thereafter. The state of PA does accept work experience in lieu of those training hours, and also has esthetics license reciprocity with most states. So, licensed estheticians in those states can apply to transfer their licenses to PA.
After obtaining your Pennsylvania esthetics license, you need to shop for and buy a good liability insurance policy. Although there is no legal obligation to do so, buying insurance will protect you and your career from potentially catastrophic lawsuits caused by charges of professional negligence or failure to perform your professional duties. This might include accidents, mistakes, or errors and omissions resulting in property damage or bodily injury to a client.
Why You Can't Afford To Ignore Esthetician Insurance
You provide a specialized service that many of your clients depend on to look their best. The cosmetic treatments that you provide are highly sensitive and critically important to your clients’ health and well-being. But you’re only human. If an accident, or your mistake or errors and omissions, result in property damage or bodily harm, your client could suffer emotional distress and financial loss. This risk opens you up for litigation. That’s where esthetician insurance comes in. This coverage protects you in the event of a lawsuit by helping you pay for a legal claim’s expenses, including legal fees, court fees, judgments and settlements.