Most cosmetologists work closely with their clients. You won’t have any problems with most clients, but how are you protected for those rare circumstances where someone is injured or at least claims to be injured. Whether it’s fear of a customer coming in with a greenie or worrying about damaging, you need the right cosmetologist insurance to protect yourself.
Cosmetologist insurance will help protect your nail business from bodily injury, slip and falls, property damage and even advertising disputes.
Why Do You Need Specialized Cosmetologist Insurance?
If you offer services outside of your home, you can be liable for staining or damaging where you’re working. Wherever you are, if your product damages a clients nails or skins, you can expect an unhappy client.
Unhappy clients lead to lawsuits. Without the proper protection, you will be left to defend yourself. That can cost a lot of money.
Our cosmetologist insurance is just what you need to protect yourself as an independent contractor. Accidents are costly and defending them can be even more expensive.
For as little as $26 a month, we can cover you for accidents, bodily injuries, property damage, and even advertising claims. We will give you peace of mind anytime a claim arises.
Here’s what you need to protect yourself.
General Liability Insurance
Our policy will cover your professional services for bodily injuries, property damage, libel, and advertising claims. Our cosmetologist insurance covers common claims such as slip and fall, dissatisfaction with service or injuries while a service is being performed. In these cases, cosmetologist insurance will cover legal expenses such as settlements or judgments, attorney fees, and court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole cosmetologist insurance package together. While many carriers offer affordable general liability coverage, few offer the professional liability coverage that specifically covers the services you offer.
For example, if you are sued because a client claims they acquired an infection from your services, general liability would not cover that because it’s part of your professional service. Professional liability fixes this problem, giving you total coverage.
Cosmetologist property insurance covers any equipment you may have. If your equipment is damaged by theft, fire or vandalism, you’re covered.
Because we package these three policies together into one policy, you save money over buying separate policies. A base policy for an independent contractor with both general and professional liability costs around $309 a year.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here for you every step of the way to defend you.