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Who Needs Esthetician Insurance?
Do you do “Do’s”? Maybe mani’s? Possibly you give good face? Or do you own a salon? Then YOU need esthetician insurance.
You get to meet new people every day. You work on their bodies. They pay you for your services. Services can go wrong. You know the saying, “He** hath no fury like a woman scorned”!
If you are an esthetician or you own a salon, you are going to need to be protected. A scorned woman might sue.
You have to already know the potential mistakes that can happen when you are working on someone’s body. Whether the accusation holds water or not is irrelevant. If a lawsuit gets started, it’s going to get expensive, fast!
Below, we’re going to give you examples and stories of why you need esthetician insurance.
Whether you work in a salon or you own the salon, you need to cover your butt. You need esthetician liability insurance or cosmetology insurance.
You have a beauty salon. It’s been open for six months. Everything has been going well. Your employees all get along. One day Marsha strolls in.
Oh no! She's fallen and she can't get up!
She’s an older lady and is pretty frail. Walks with a cane. Super sweet lady, she comes in about every two weeks. Katie is going to do her hair today.
Katie calls her back into the wash area and Marsha gets up to walk back. As she’s walking past the desk, an employee’s purse at that moment gets knocked off the counter right in Marsha’s path.
Marsha trips over it and crashes to the floor. She’s screaming, she’s in serious pain and has to take an ambulance to the hospital. (oh crap.)
She’s broken her hip and both wrists. You better bet she’s coming after you for damages and medical costs. Unless you were born yesterday, you know that the bill is going to run in at least the tens of thousands of dollars!
She might sue for other things as well, like negligence. Yep. You had better be covered with general esthetician liability cosmetology insurance.
2. Property Damage:
You have a regular client, Marty. She comes in to get her nails done about once a week. You know her pretty well. She likes to share her life with you and your employees. She brought her Macbook Pro in today to show you photos of her nephews and nieces.
As you are scrolling through the photos on her computer, Cassie, one of your hairdressers comes over to have a look.
Upon arrival, Cassie accidentally knocks over a glass of water from the shelf above you. Guess where it lands? But of course! Right on the Mac.
That computer is dead and it’s history! All of Marty’s photos are lost because she didn’t back up or use iCloud.
Marty wants her computer back or a new computer and she’s suing for the loss of precious photos.
You are responsible for the damage. That right there is at least a $2,500 accident. More if she needs to get photos and other data recovered. More if they are un-recoverable and she’s suing for pain and suffering or whatnot.
You had better be covered with general liability esthetician insurance!
3. Personal Injury:
You work at a salon in your neighborhood. There’s a “mega bitch” that comes into the salon about every two weeks who nobody likes to work on. Her name is Sandra.
She’s the most negative person you have ever endured in the chair. She drains all of your energy when she comes in, as well as everyone else’s that she comes in contact with.
You are her favorite, unfortunately for you. Just knowing it’s her day to come in ruins your mood and puts you on edge. She always bitches about her hair, too. It’s never, ever right, yet she keeps coming back to you.
Complain, complain, complain. She finally just left for the day and you are exhausted and frustrated. At least it’s now your lunch break.
For lunch, you go next door to the smoothie place. Kyle, the owner, is a pretty nice gal. You two get to talking and you start to vent to her about Sandra. It feels really good to really let it out and bitch away about stupid Sandra.
You even embellish some of the stories as you are just so over her.
Guess what you didn’t know? Sandra and Kyle are really good friends. It gets back to Sandra that you were talking smack about her.
She (of course, she’s a b*tch) immediately files a lawsuit against you for slander. (DAMMIT!) Well, you should have kept your mouth shut! You had better be covered with general esthetician liability insurance!
This insurance covers you if you screw up while performing your services on someone. Even if you have not made a mistake. It’s sometimes also called ‘errors and omissions’ insurance.
You have to have this if you perform a service, which you do. You might give advice as well, and this will cover accusations of bad advice that may cost a customer money and/or pain and suffering.
Here’s a couple of scenarios that this insurance might cover:
1. Emotional Distress:
A model comes to you for hair relaxing and extensions. You ask her all of the relevant questions that might pertain to her hair. All sounds good. She says she’s had both done before. You start with the relaxer.
After a little time in the chair, your client starts to complain that her scalp is tingling and almost burning. You immediately take her to the sink and rinse it out. It’s getting painful as you shampoo her hair. She leaves in a hurry without getting extensions.
A few days later you get a call from her attorney. She’s got scalp burns and some hair is falling out. She’s suing for distress, pain and suffering, and lost wages because now she cannot work as she’s a model.
Oops. You really F’ed up! You had better be covered with professional liability esthetician insurance!
2. Bad Treatment:
It's been three weeks. You bet I'm calling a lawyer!
You have a client come in with a skin condition. She claims that it’s ‘x’. She wants a chemical peel. Her condition should not affect the treatment according to your education.
You both agree to do the strongest of the three peels. It will burn a little, you tell her, but not very much. You give her a handheld fan to point at her face to cool it off.
After you have already applied about 3/4 of the treatment, she begins to get agitated saying it really hurts. She says the pain is about an 8 out of 10. (Not good. Not normal.) You apply the neutralizer as quickly as possible but it’s too late.
Long story short, you are looking at a pretty hefty lawsuit because this girl’s face scarred from the treatment. Your fault or not, the lawsuit will cost you.
You had better be covered with professional liability esthetics insurance!
Check this out: One woman even sued her salon for giving her a STROKE! Story HERE.
Esthetician Liability Insurance- A Must, Unless You Are A Dumb Butt!
Did we say that out loud?
Yep, we sure did. That’s how serious it is to get yourself covered with esthetician insurance.
We scoured the internet for the best insurance providers for your needs. We found that Hiscox represents the best insurance providers and allows you to quickly compare your coverage options.