Close your eyes and imagine the perfect appointment with a client. It may go something like this: Your client arrives on time for their appointment. They’re in a good mood and chit chat flows easily or maybe not at all, but that’s all right, too. Once their service is complete, they praise you, delighted with your work. A rebooking follows, along with payment and a generous tip.
Sounds like heaven, doesn’t it?
Keep your eyes closed and imagine a disastrous appointment with a client. It may go something like this: You’re an esthetician applying a peel to a client. After it’s removed, your client (who came to you after getting a lot of sun exposure) has what looks like a rash, or burns all over her face. She threatens to sue you.
Or you’re a hair stylist applying color to your client’s hair. You leave it on to process and promise to return to check on it in 10 minutes. In that time, your spouse calls to tell you they’re locked out of the house, another client is undecided about what to do with her hair and wants your opinion, and you’ve had to use the restroom. By the time you return to your client and check her color, it’s been 20 minutes, her hair has an orange tint to it, and her scalp is burning. She threatens to sue you.
Or you’re a nail technician who is giving a client a pedicure. The appointment seems to go fine, until days later when she calls you to tell you you’ve passed on an infection to her toes. She threatens to sue you.
Here’s where professional liability insurance comes in. It protects the beauty professional, as well as the salon in the event you are sued for negligence—that is, if your client was harmed while receiving your services (even if it’s not your fault). This is crucial insurance to have, especially as an independent contractor, because many places won’t allow you to work at their location unless you carry your own professional liability coverage.
You have a responsibility to protect your client, as well as your business.
Which sounds better: A professional liability policy for under $200/year, or a lawsuit, which can run thousands of dollars?
Fortier Insurance can explain everything you need to know about professional liability insurance. Remember, mistakes and accidents happen in the workplace to the best of us. What matters is that you’re prepared for them. Click on this link to get more information about how Fortier Insurance can help prepare you.