From razor blades and scissors to chemical solutions and scorching-hot tools, you can find quite a few reasons for a professional cosmetologist to possess cosmetologist liability insurance. If you are on the fence about whether or not you need cosmetologist liability insurance, then it is time to take a realistic look at the fact that risks do exist in the realm of cosmetology.
Naturally, you want to focus on all the ways in which beauty professionals help their clients, allowing them to leave the salon with a smile and an elevated sense of confidence. Of course, these positive aspects of the beauty trade are wonderful and true. However, by neglecting to look at the potential hazards that exist in the field of cosmetology and failing to secure cosmetologist liability insurance, you could end up in financial ruin.
Obviously, you do not want to or need to consistently think about the long list of potential accidents that could take place in your salon. Taking stock of these risks long enough to understand the importance of cosmetologist liability insurance should be enough to motivate you into action.
Once you have secured cosmetology liability insurance, you no longer need to dwell on potential accidents or keep crossing your fingers, hoping that such accidents will never involve one of your clients. You can think of your cosmetologist liability insurance policy as a sort of safety net, there to catch you in case you ever do find yourself facing a legal claim from one of your clients.
Hopefully, you now understand the need to take a clear look at the risks inherent to the practice of professional cosmetology. Here, we’ll explore a few of those risks to help you get a grasp on the fact that cosmetologist liability insurance exists for a reason. For starters, consider the fact that the tools of the cosmetologist’s trade could cause harm if handled improperly.
On a daily basis, many hair-care experts work with items such as razors, scissors, hair chemicals, water of varying temperatures and hot tools, including blow dryers, flat irons and curling irons. You do not need too much imagination to see how these items could possibly cause harm to a client. With a slip of the wrist or a momentary lapse in attention, a client could get cut or burned.
If one of your clients does suffer such an injury, you could find yourself faced with a legal claim for the damages. In this instance, you can see why you would want the safety net of cosmetologist liability insurance in place. Such a policy would provide the financial coverage necessary, under the umbrella of either malpractice or product liability insurance, depending on the specifics of the legal claim.
The malpractice liability portion of a cosmetologist insurance policy is there to provide protection in cases where a client claims damage or injury due to a lack of skill or competence on the part of the professional cosmetologist. The product liability component of a cosmetologist liability insurance policy is there to offer coverage in cases where the damage or injury is due to a particular product that was used. With liability insurance, you can focus on your clients, happily knowing you have insurance coverage solidly in place.