Estheticians, sometimes also referred to as aestheticians in the European tradition, provide a wide variety of personal services to their clientele. Whether you perform cosmetic procedures like make-up, facial massage, masks and peels, or medical services that use lasers and powerful acids, estheticians run a constant risk of accident and injury to the client. That's why it is essential to have a comprehensive esthetician insurance policy to protect you financially.
An independent agent in the Trusted Choice® network can help you select the right esthetician insurance policy for you. Contact a local agent today to discuss your esthetician insurance liability and get quotes for the coverage you need.
How would you cope financially if a client sued you over a cosmetic procedure? Even if you work under the supervision of a doctor, you are financially responsible for any accidents or injuries that affect a client in your care. On top of the injured client's medical expenses, court fees, and missed wages, you would also have to pay for your own legal defense which can often cost more than the settlement amount.
If you work in a hospital, doctor's office, or medical spa as a medical esthetician, these are the types of coverage you may need:
Coverage for salon estheticians is usually more affordable than coverage for medical estheticians. In general, the equipment and treatments are less invasive and less risky. Also, the salon owner may provide some of the liability coverage you need when you rent your workspace.
Aside from any coverage that the salon may provide, it is a good idea to carry your own esthetician liability insurance. You will want coverage that includes the following:
You might wish to purchase additional insurance, such as:
A local independent agent can help you look over the coverage you have through your salon and can show you several esthetician insurance options to protect your finances. If you own your own esthetics salon, a member agent can help you get the right coverage for your business.
If you operate out of your home, there are many insurance options to consider. The most important step is to find the right esthetician liability insurance to protect you from malpractice suits and other litigation. But you may also need to add the following coverage:
Many estheticians find coverage for around $180 per year. With the low cost of liability coverage and the comparatively high risk of litigation, it is usually in your best interest to protect yourself with a policy that fits your practice. When you speak with a local Trusted Choice member agent, you can discuss your budget and the types of cosmetic services you provide. An independent agent can help you choose the level of coverage that best suits your unique risks, and can help you find the most affordable rates.
Many insurance companies provide some form of esthetician liability insurance, property coverage, or business insurance. An independent agent in the Trusted Choice network has relationships with several companies and works to find you customized coverage at a rate that fits your budget.
Contact a local agent today to start comparing esthetician insurance quotes from several providers. With an independent agent by your side, it's easy to find coverage tailored to your unique business needs.