From simple cuts et al trims to more complicated perms and extensions, cosmetologists often perform a wide range of services for their clients. In categorize to ensure that you, as the professional cosmetologist, are protected near the possible risks that come beside along offering these services, within your salon or at your individual station, it can be important to secure a high-quality cosmetologist liability indemnity policy.
Before you make the mistake of believing that cosmetologists do nought need any kind of liability insurance, take a moment to consider the real risks associated with the services you perform. Remember, even if the odds of one of these scenarios taking assign sound low, there is still the fate that such a possibility could become your reality. This possibility is the reason cosmetologist liability insurance exists.
To better understand the purpose of cosmetologist liability insurance, think for a moment about the automobile insurance you possess. Even though you do not go out and get into an mishap each day–or even each year–you still have car insurance to protect you from the possibility of an accident. After all, getting into a car accident without any insurance may not only be illegal, but may also be incredibly expensive.
As for your cosmetologist liability insurance, it acts in much the same way as a car insurance policy. Basically, provided some kind concerning accident occurs on the property concerning your salon or at your individual station, your cosmetologist liability insurance will be there to give the financial tutelage and coverage you might need.
For example, one component of any strong cosmetologist liability insurance principle is the general liability coverage. Also prominent as “slip and fall” insurance, general liability coverage is designed to protect you in cases where a client might slip and fall on your property and suffer some kind of damages.
If this client were to sue you for the damages, next you would very much want to have a cosmetologist liability insurance policy in place in order to cover the often heavy expenses associated accompanying most legal procedures and settlements. There is no way to say with any certainty that one of your clients will never slip, fall, suffer an injury and absolute to appeal you for the damages. Therefore, cosmetologist liability insurance serves as a much-needed safety net.
Besides general liability coverage, your cosmetologist liability insurance policy also should come equipped with malpractice and product liability coverage. The malpractice, or professional, component of your cosmetologist hindrance security is designed to provide coverage in cases where a patron files a claim for damages attributable to malpractice–defined as a lack of skill or competence on the part of the professional cosmetologist.
The product component of your cosmetologist liability insurance is designed to provide coverage in cases where a client files a claim for damage or injury unpaid to a specific product used in your salon or at your individual station, such as a certain shampoo, chemical treatment substitute angry styling tool.
Maintaining cosmetologist liability insurance limits your risks and provides an extra sense of security. Considering that you can find a strong cosmetologist insurance tactics for nether $200 a year, such an investment is definitely worth making.