A cosmetologist’s job is to always keep the clients looking their best, however, the profession of a cosmetologist also requires the individual to remain protected. In the first part of the process, the cosmetologist needs to undergo suitable training and licensing, in order to be able to practice the craft legally. Secondly, the cosmetologist also needs liability insurance with state requirements.
Without insurance, one becomes liable for payment of third party bodily injuries, legal defense, property damage, in addition to court-ordered settlements out of one’s own pocket. Moreover, one can become out of work after an expensive court case, even if the individual is cleared off the wrongdoing. Thus cosmetologist insurance enables a person to protect their personal assets and their future career in the field.
There are mainly two types of liability insurances which a cosmetologist has to consider; General liability and professional liability.
Under general liability, professional accidents like slips, falls or property damage is covered. This particular coverage also protects a case of client’s property damage.
The professional liability insurance is similar to the malpractice insurance carried out by doctors and nurses. While the owner of the salon or spa will have professional liability insurance, it may also be required to have an insurance policy, if the individual is renting space.
Furthermore, it is important for an individual to understand what amount of protection the policy offers the individual. By setting the right coverage, one can depict how much risk one can face and how much one can financially handle.