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Consider the plight of a skin care professional we’ll call Emily, who performed a routine enzyme facial on a new client. It was the young woman’s wedding day, and she wanted to look perfect. Emily never expected there would be a problem.

But her client had an allergic reaction to the facial. The bride-to-be was left with reddened, sensitive skin, preventing her from wearing makeup on her wedding day. Do you think the bride was upset?

Emily was sued for considerable damages, and the case of the “ruined bride” eventually went to trial. Who do you suppose had the sympathies of the judge and jury? Emily, sadly, learned a costly lesson.

There are other horror stories, some right from our files:

• A seaweed wrap that sent a woman into anaphylactic shock.
• Waxing treatments that resulted in burns and lifting skin.
• A glycolic acid facial that caused severe scabbing (and possible scarring).
• A magnifying glass that slipped and bruised a client’s eye.

What if something similar should happen to you?

Fortunately in most of these instances, the skin care professionals were protected by insurance and supported by a caring, knowledgeable team of professionals who walked them through the process step by step.

You take pride in helping your clients lead more confident, healthier lives. Naturally, you don’t plan on ever being named in a liability dispute, and chances are you won’t. You also don’t plan on having an auto accident on your way home tonight. But you still carry auto insurance. It’s a small price to pay.




With ASCP’s affordable liability protection, you’re covered no matter where—or how many places—you work, as long as you’re in compliance with state laws. Coverage includes:

• Disastrous product interactions (such as allergic reactions, scarring, discoloration, burns).
• Client accidents (for example, a client slips and falls in your office or on your property; or, say a chair or table collapses while a client is on it).

Fact is, even if you find liability insurance somewhere else, you will probably pay too much and other insurers may know next to nothing about the kind of work you do. Compare other insurance programs to ASCP’s full package of benefits and hands-on knowledge of the profession and you’ll realize the incredible value we offer.

Many professionals who work in a spa, salon, or doctor’s office mistakenly believe the owner’s insurance automatically covers them for all treatments. Yet if a client files a claim against you personally (as well as against the spa, salon, or doctor), you may be liable for your own attorney’s fees, court costs, and share of the settlement. Our insurance provides for your legal defense for claims that are covered. It’s also possible your employer’s policy doesn’t cover every treatment you may perform. Are you prepared to risk that?

And consider this: what if the owner’s policy were to lapse due to late payment or it excludes your services? You’d be responsible. Also, if you provide treatments at your house or a client’s home, your employer’s coverage probably will not apply. You need to protect your investment in your career.



Whenever you need something—membership or career information, help on a business challenge, etc.—you want to talk to a knowledgeable, caring human being. Not tomorrow, not next week, but right now. Nothing pleases our professional, friendly staff more than finding an answer to a member query.

ASCP understands. We even pay for the call. So please, call us. We’ll be delighted to talk with you.

800-789-0411
800-790-0299 (fax)
getconnected@ascpskincare.com