Mobile estheticians need liability insurance, with four main types of coverage: professional indemnity, public liability, employee liability, and company car insurance. Specialties should match coverage.
A slip of the shears or problems resulting from a facial or pedicure could leave estheticians and salon owners on the wrong side of a lawsuit, for which liability insurance is recommended. Mobile estheticians have even more to think about than standard salon owners when it comes to insurance. Two of the main considerations when choosing a mobile beauty insurance policy are the price of the policy and the deductible associated with the plan. There are four types of mobile esthetician insurance plans, and while it would be best to get all four plans, some estheticians may only need or be able to afford one or two. It is best for a mobile esthetician to get insurance that matches her specialties.
Compared to other forms of insurance, mobile beauty insurance is relatively inexpensive. Mobile estheticians and therapists should research insurance companies to find plans that are within their price range. Your annual or monthly payment shouldn’t be the only consideration when looking at pricing. The amount of coverage and the deductible if you need to file a claim are also important.
There are four main types of coverage for mobile beauticians. These are professional indemnity insurance, public liability insurance, employee liability insurance and company car insurance. Professional indemnity insurance protects the insured in the event of a lawsuit in the event of an error. For example, if the mobile esthetician cuts a client’s hair too short and the client sues as a result, any damages awarded or settlement achieved may be paid for by this insurance plan.
Employee and liability insurance isn’t as essential as professional liability insurance, but it’s still a good idea. These plans cover the mobile esthetician if a client or worker, respectively, gets injured. For example, if the client or worker touches a hot curling iron, the mobile esthetician can be sued for liability. This insurance will cover the beautician in that case.
Unlike other estheticians, a mobile esthetician may need company automobile insurance. The beautician moves so often that it is possible that she is in a car accident. The car is being used for work, so regular car insurance won’t cover damages, meaning mobile beauty insurance should cover commercial vehicles as well.
Mobile estheticians may specialize in forms of beauty treatment that may or may not be covered by a mobile beauty insurance policy. Some of these include acupuncture, body piercing, electrolysis, facials, manicures, tattoos, and waxing. If a mobile esthetician handles such procedures, or plans to do so in the future, she should check with the mobile beauty insurance company to make sure they are covered. If not, a separate policy may be required.
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