Cosmetology and Cosmetologist Liability Insurance
Welcome to Cosmetology Insurance Plus
NACAMS represents America’s 600,000+ cosmetologists, providing professional tools, public education, cosmetologist liability insurance, and issue advocacy. With 25 years of trust in the Complementary and Alternative Medicines industry, NACAMS licensed professionals are the best protected cosmetologists in the industry.
As a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance. You strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.
In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include cosmetologist liability insurance coverage. In fact, obtaining cosmetologist liability insurance may also be required by law.
The main reason cosmetologist liability insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist liability insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality.
If you are wondering why you might need the safety net of cosmetologist liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims. However, when you have cosmetologist liability insurance, that policy will be there to cover the monetary damages.
There are three main areas of accident or injury that your cosmetologist liability insurance should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business.
For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses.
The other two types of accident or injury that your cosmetologist liability insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment. These aspects of your cosmetology liability insurance coverage are referred to as malpractice and product liability.
As an example, if you accidentally burned someone with a hot tool during her appointment, she may make a claim of malpractice, which means she believes the burn occurred due to a lack of skill or competence on your part as the cosmetologist. This is why cosmetologist insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
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Cosmetology Industry Facts
• According to the U.S. Bureau of Labor Statistics, approximately 48 percent of cosmetology workers are self-employed.
• Employment is expected to grow much faster than the average for all occupations.
• Many full-time cosmetologists put in a 40-hour week, but longer hours are common, especially among self-employed workers.
• Most of these workers are employed in personal care services establishments, such as beauty salons, barber shops, nail salons, day and resort spas.
Major Cosmetologist Insurance Disciplines Covered:
• Designcut and Style
• Full Weave
• Color First Time
• Flash or Balyage Highlights
• Permanent Wave
• Custom Wrap
• Partial Wave
• Hair Coloring
• Wig Stylist
• Hair Treatments
• Wet Styling
• Thermal Styling
• Hair Bleaching
• Chemical Waving
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