From hot wax and chemical peels to dermabrasion devices and extraction tools, professional estheticians work with all kinds of products and instruments that could cause harm to clients if handled incorrectly. This is one of the key reasons for every beauty professional to obtain esthetician liability insurance, which provides coverage for cases where a client gets hurt and decides to sue for the damages.
In fact, even those businesses that do not provide clients with services that involve chemical products, sharp tools or other types of potentially dangerous items are wise to possess liability insurance. After all, any time a customer comes onto the property of the business, that customer could have an accident, so the business needs to be covered by quality liability insurance.
For example, imagine one of your clients is running late for her facial appointment. In a rush to come through the door, she could trip and suffer an injury, such as a broken wrist or chipped tooth. This client might decide to sue you for the damages, because the accident took place on the property of your business.
For these kinds of legal claims, business owners look to the protection provided by general liability insurance. Basically, the general liability portion of your esthetician liability insurance is designed to cover slips, trips, falls and other types of accidents that might take place on your property.
While this kind of coverage is an incredibly important element of any esthetician liability insurance policy, other forms of protection are equally important for professionals in this beauty-based industry. This is where the specific risk factors of working as a professional esthetician can come into play, as the tools and products you use could cause harm to your clients.
Many types of situations exist that may result in a client’s injury. For instance, if the wax used for hair removal is too hot or applied improperly, it might burn or tear the client’s skin. Such a problem could also occur if a chemical peel is left on too long or if the client has an allergy or other unwanted reaction to the formulation.
In any situation where a client suffers an injury due to what she believes to be incompetence on the part of the professional esthetician, then malpractice coverage will be necessary for handling the legal claim without draining your personal finances. This is why a high quality esthetician liability insurance policy will include malpractice coverage, also known as professional liability insurance.
A similar type of coverage provides protection in cases where a client may file a claim for damages due to an injury that was caused by a specific product used by the professional esthetician. This portion of esthetician liability insurance is known as product liability coverage.
Right now, it may be hard to believe any one of your clients would ever have an accident on your property or suffer any kind of injury during an appointment with you, let alone sue you for the damages caused by such an unexpected scenario. However, the fact remains that professional estheticians carry a certain amount of risk that should be covered via esthetician liability insurance.