If you are a professional esthetician in West Virginia, it is extremely important that you purchase liability insurance, which is critical in the work you perform, as one mistake can be costly even if a claim is without merit. West Virginia esthetician insurance covers the potential costs incurred to you to defend yourself against a customer who is dissatisfied with services provides and claims they have been injured or their property has been damaged because of your work.There are many job-specific risks and circumstances that can result in a legal claim being filed against you. For example, a customer may claim that a brow wax you performed on them caused burns, disfiguring them, forcing them to miss work and causing them financial loss in medical expenses. Or, a chemical peel you applied on a customer’s face caused burns as she has had excessive sun exposure prior to the treatment. Even in situations where you may think there is no case, the legal costs can be significant. Esthetician insurance steps in to provide you with the coverage you need against costly legal claims.
Along with having adequate esthetician liability coverage, it is also important to be fully up to date with all the licensure requirements in the state of West Virginia. All estheticians in West Virginia are required to have a valid license to practice in the state.
West Virginia Esthetician License Requirement
In order to obtain a license in esthetics in the state of West Virginia, individuals must complete a minimum of 600 hours of training at a licensed school. After the training, candidates must take and pass a licensing exam issued by the state’s Board of Cosmetology. Those who pass the exam receive the West Virginia esthetics license shortly thereafter. The state of WV does not accept apprenticeship in place of those training hours. But it may offer licensure through endorsement. Those who wish to transfer their licenses to West Virginia must do so through their home state’s board of cosmetology that issued the original license.
West Virginia Insurance Requirements for Estheticians
Professional estheticians in West Virginia must obtain an individual liability insurance policy. This is because most employers and professional bodies always insist that their employees or members must carry insurance. Salon booth rental providers also require those who want to rent booths in their facilities to carry liability insurance. So, even though it’s not a strict legal requirement, you must buy esthetician insurance policy to be able to practice.
Importance of Having an Individual Esthetician Insurance Policy
As an esthetician in West Virginia, you know the service you provide entails some level of risk. Though these risks might not seem particularly significant, they can lead to multi-million lawsuit – which is not an insignificant thing that you can afford to ignore. You need coverage in place that allows you to provide your expertise with confidence and peace of mind. That’s where esthetician insurance comes in. Even if you are employed or work under a medical professional, you must invest in your own individual esthetician insurance policy. This type of coverage protects you if you are sued by a third party who is injured or whose property is damaged as a result of your work. It covers defense costs and pays claims for which you are legally liable.