As a trained and licensed esthetician, you use your knowledge and skills to improve the appearance of your clients’ skin, instilling confidence and helping relieve stress. While your work offers immense benefits to clients, the cosmetic treatments you provide often come with some specific risks. It is, therefore, important for you to invest in the right South Carolina esthetician insurance plan. Whether you work from home with an established clientele, as an independent contractor, mobile esthetician who travels to people’s homes, or work in a salon or spa, an individual esthetician insurance policy is essential. But, before you start shopping for an insurance policy, you will need to ensure that you’re licensed to practice esthetics in South Carolina.
South Carolina License Requirements for Estheticians
To obtain a license in esthetics in the state of South Carolina, individuals must undergo an accredited training program consisting of a minimum of 450 hours of coursework and hands-on training at a licensed school. The state of SC does not accept work experience in lieu of those training hours. After the training, candidates must pass a licensing exam, which is administered by the state’s Board of Cosmetology. South Carolina also offers licensure through reciprocity, and licensed estheticians in the states that have reciprocity with the state can apply to transfer their license to SC.
South Carolina Insurance Requirements for Estheticians
Currently, there is no strict legal requirement for estheticians in South Carolina to carry insurance. However, individual esthetician liability insurance is must-have coverage for any esthetician operating in SC. Even if you are employed and your employer has insurance, you should purchase your own individual liability insurance plan, as your employer’s policy many not be adequate or may not cover you in certain circumstances such as when you are working outside of his/her premises. Esthetician insurance will protect you any time a customer or another third party files a lawsuit claiming that your work caused them bodily injury, property damage or financial loss, whether it was due to negligence, oversight, professional error, or anything that would make a client feel disgruntled.
Why You Must Carry an Individual Esthetician Insurance Policy
As an esthetician in South Carolina, you cannot control or predict all circumstances that can arise while giving cosmetic treatments to a client. Accidents are a common fact of life, and one can arise, no matter how careful you are or the number of precautions you take. A facial steamer could malfunction and spit boiling water on a client’s face, causing painful and unsightly burns. One of your clients may develop a reaction to a product that you have successfully used before. There are many situations that could lead to a costly and time-consuming lawsuit being filed against you. Even the most careful, skilled estheticians have had to deal with lawsuits.
In the event of a liability claim, you could experience a significant financial and career setback. You need adequate protection against claims brought by clients and other third parties for economic damages stemming from your acts, errors or omissions in the performance of your services. That’s where esthetician insurance comes in. This type of coverage provides the necessary legal and financial assistance to deal with claims, helping save your livelihood.