How Beauty Insurance Can Protect Your Career

Cosmetologists are in charge of many tasks when creating the right look for a client. With the right skills and care, insurance can seem like an afterthought for many beauticians. The truth of the matter is, even licensed cosmetologists who have been in the field for decades still need insurance to cover any mishaps that may happen while on the job.

What Is Beauty Liability Insurance?

Cosmetologist insurance for beauticians is crucial in the salon business. By having professional liability insurance, a professional cosmetologist is protected from potential financial loss after a potential accident.

3 Common Reasons Why Insurance Is Necessary

Many people assume cosmetologist insurance is for catastrophic accidents involving cutting shears or chemical burns. Although these incidents can occur, there are many more likely accidents that can and do happen on a regular basis.

1. Falls. Slipping and falling may seem relatively harmless to many, but it can have repercussions. With slippery hair trimmings on the floor, it can be easy to trip and fall onto a hard surface. If someone does fall in your place of work, they can technically file a claim against you. This can be true regardless if you are a salon owner or hired stylist. While many salons do have business insurance, the actual professional may not be included.

2. Unexpected medical issues. Not all clients disclose every allergy or medical condition they have to a licensed cosmetologist. It’s easy to get caught up in the actual work involved without once thinking to ask if the client has X, Y, or Z. A common problem that many professional cosmetologists face is when a client has an allergic reaction to a moisturizing cream or hair spray. The client may not even know they have an allergy. In events like these, they can file a claim leaving the professional responsible for their medical bills.

3. Equipment failure. Even expensive cosmetology tools can malfunction. If an accidental electrical shock occurs, the beautician may be responsible for its results. Hairdryers, wax warmers, and even chairs can all cause accidents that can leave potentially costly bills.

Types of Policies

Cosmetology insurance policies vary depending on the needs of the professional. Individual coverage means the full policy amount is covered no matter how many claims are filed with the provider.

Mobile coverage will cover professionals while they are working at the designated location listed on the policy. Depending whether you work in a salon, out of a home or both, the type of policy matters.

Why You Need Cosmetology Insurance

Over 100 million U.S. citizens are patrons to beauty salons every month. With so many clients requesting services, accidents are bound to occur. Most salons will offer different types of insurance, but researching which type works best for you is always recommended. Although the process may seem foreign at first, insurance professionals can help you choose the right coverage no matter where you work.

Regardless of how well-trained a licensed cosmetologist is, incidents are likely to happen at one time or another over the course of one’s career. Preparation and research can go a long way in keeping your finances and license protected for a long and prosperous career.