The proprietor of a beauty school is responsible for teaching many tasks. In addition to cutting hair, giving perms, and doing manicures, a cosmetologist may color, highlight, and straighten hair, apply makeup, and/or artificial nails and engage in other forms of beauty care.
The objective of liability insurance is to provide beauticians and beauty school proprietors with the maximum coverage at the lowest possible price
It is not possible to eradicate all risk. Beautician School Professional Liability Insurance protects you when an accident takes place or an unexpected claim is levied against you.
Beautician School Professional Liability Insurance is necessary to cover damage caused by you or your students, or by a product used during a cosmetology session.
This coverage is also referred to as malpractice and product liability insurance.
Insurance helps shield your business finances from claims of bodily injury, damage to property and other liability claims.
You need at least a general and professional liability policy; you may want to think about protecting your business personal property also.
Your liability insurance should:
- Cover you at any location where you ply your trade
- Provide at least $2 million (aggregate) coverage
- Offer coverage for product liability
- Not require a deductible
Be aware that some companies do not provide protection for:
- Permanent Makeup
- Tattooing
- The coloring, or tinting of eyelashes
- Body Piercing
- Medical Esthetics
Remember, the objective of Beautician School Professional Liability Insurance is to provide beauty school proprietors with the maximum coverage at the lowest possible price.
A qualified and local insurance expert can help you with advice and permanent makeup insurance quotes for your specific needs.