A cosmetologist applies makeup to her client's face on National Insurance Awareness Day.

National Insurance Awareness Day

Why Cosmetology Liability Insurance is a Must for Beauty Pros

Beauty pros, it’s the end of June–which means one of our all-time favorite days is coming up.

You probably won’t guess it, so we’re going to just straight up tell you what’s coming and why we love it. Remember, we’re an insurance company, and we wholeheartedly believe in supporting beauty pros like you, so don’t think of us as major nerds when we say this–National Insurance Awareness Day is here!

Yep, June 28 is a big day for us–but it’s also a big day for you.

Why, exactly? Because National Insurance Awareness Day is all about much-needed education that can change your career, your cosmetology trajectory, and even your life.

We’re not exaggerating! Insurance (especially general and professional liability insurance) is absolutely crucial to your wellbeing and your career’s longevity–we believe that so thoroughly, we’ve built an entire company on providing you with insurance you can trust.

So, what’s this blog going to do?

Celebrate National Insurance Awareness Day with all the info you need to better understand cosmetology liability insurance. We’ll dive into what it is, why you need it, and important terms to know!

What are you waiting for? Let’s honor this epic day and start celebrating by diving in.

You Need Cosmetology Liability Insurance: Here’s Why

We’re less interested in posing the question, do you need liability insurance for beauty pros like you. Why? Because we already know the answer. No, we’re not just trying to be pushy and force you into buying our insurance.

(We’re so insistent on this that we say that we don’t even care if you opt-out of our insurance–just get high-quality insurance ASAP to protect yourself!)

So, instead of begging the question, we just want to offer super helpful information. Here are a few of the main reasons why you need cosmetology liability insurance.

You Need to Manage Assumed Risk

When you become a cosmetologist, you assume a certain amount of risk–that risk is called liability.

Like it or not, you’re responsible for the well-being of every client who sits in your chair. That means if something goes wrong–allegedly or actually–you’re on the hook to make it right.

Without insurance, that means you’re covering the legal and financial repercussions of that all by yourself.

Handling that risk on your own can be overwhelming and potentially disastrous.

Liability insurance is designed to shoulder that risk, take care of you if (and when) something goes wrong, and tackle whatever issues crop up. The beautiful thing about cosmetology liability insurance? If you find a top-notch partner with a solid policy, all of your services could be covered–no matter how specialized they might be.

Prepare for the Unlikely, Improbable, & Unexpected

Assumed risk is part of the gig. The unlikely stuff is what can throw you for a real loop.

Sometimes, things just happen. A client might react badly to a product you use. Someone might suggest you injured them. Someone could slip and fall in your salon and sue you.

The fact of the matter is this–there are common, assumed risks, and then there are risks that no one could ever prepare you for. Things happen–even the most unlikely and improbable things.

Liability insurance helps you tackle that risk head-on and make sure you’re prepared–no matter how improbably it might be.

The fact of the matter is beauty insurance can protect you­, your career, and your future.

Cosmetology liability insurance is crucial when assuming risk, like using hot tools to curl hair as in this image.

What’s Cosmetology Liability Insurance?

So, we’ve figured out that liability insurance is a must for cosmetologists.

But what kind of liability insurance should you get? Unfortunately, insurance jargon can get confusing, so it’s not always as easy as a quick google. That’s why we’re dropping the must-know stuff right here, right now.

There are three main types of liability insurance: general, professional, and product liability insurance. For the sake of brevity, we’re going to cover the two most important.

Let’s Talk General Liability Insurance

General liability insurance covers you in terms of things that don’t pertain to your professional services. Often, general liability insurance is referred to as “slip ‘n’ fall” insurance because it’s more about accidents that pertain to your establishment.

On our site, we define general liability insurance as “Insurance that protects the policyholder in the event that a client trips, falls, and suffers an injury while on their property.

This coverage applies to claims resulting from personal injury, bodily injury, or damage to other's property, and is often called ‘trip and fall’  insurance.”

What is Professional Liability Insurance?

If general liability insurance is your slip ‘n’ fall sort of insurance that protects you from things that aren’t in your direct, professional control, consider professional liability insurance the opposite.

Professional liability insurance is going to cover you in terms of the services you provide to your clients. For the sake of consistency, we’ll give you the definition we use on our site.

Professional liability insurance is “insurance that provides protection against lawsuits claiming negligence, misconduct or incompetence on the policyholder’s behalf; also called malpractice insurance.”

Want to know more? We’ve got a full cosmetology liability insurance eBook that covers the ins and outs of these topics.

Download it now to get a better look at what beauty insurance can do for you!

At the end of the day, only you can decide if liability insurance is best for you. We hope this blog provides you with helpful information to empower you to make the best decision possible.

Still have questions about liability insurance? We’ve got you covered. Reach out to the team, learn more about our offerings, and read up on our blog to get all the details you need.

P.S. stay in the know and up to date on the latest industry gossip, career advice, and more when you subscribe to Elite Beauty Society.