Mobile estheticians need liability insurance to protect against lawsuits. There are four types of mobile esthetician insurance plans, including professional indemnity insurance, general liability insurance, employee liability insurance, and commercial auto insurance. It’s important to find insurance that matches their specialties.
A slip of the scissors or problems stemming from a facial or pedicure could leave estheticians and salon owners on the wrong end of a lawsuit, so 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 in 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 of them. The best thing for a mobile esthetician is to get insurance that matches her specialties.
Compared to other forms of insurance, mobile beauty insurance is relatively inexpensive. Mobile estheticians and therapists should shop around insurance companies to find plans that are within their price range. The annual or monthly payment should not be the only consideration when looking at prices. The amount of coverage and the deductible in case they need to file a claim are also important.
There are four main types of coverage for mobile estheticians. They are professional indemnity insurance, general liability insurance, employee liability insurance, and commercial auto insurance. Professional indemnity insurance protects the insured in the event of a lawsuit if they make a mistake. 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 reached may be paid by this insurance plan.
Liability and public liability insurance is not as essential as professional indemnity insurance, but it is still a good idea. These plans cover the mobile esthetician if a client or worker, respectively, gets hurt. 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 such a case.
Unlike other estheticians, a mobile esthetician may need commercial auto insurance. The esthetician moves so often that he or she may be in a car accident. The car is used for work, so regular auto insurance won’t cover the damage, which means mobile beauty insurance should cover business vehicles too.
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, piercings, electrolysis, facials, manicures, tattoos, and waxing. If a mobile esthetician handles such procedures, or is planning to do so in the future, then you should check with the mobile beauty insurance company to ensure they are covered. Otherwise, a separate policy might be required.
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