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Liability Insurance: What You Need To Know
Naturally, you don’t plan on ever being named in a liability dispute. 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.
What Can Happen?Just a few horror stories, some right from our files (names have been changed for privacy):
Who Needs Liability Insurance?All estheticians should have liability insurance. Many professionals who work in a spa, salon, or doctor’s office mistakenly believe the owner’s insurance covers them. Sometimes it does, and sometimes it doesn’t—or it may cover only certain treatments. Perhaps you also provide treatments at your home or in the client’s home. Your employer’s coverage probably won’t apply to those. And if your employer misses a payment or allows their policy to lapse, you might not find out until it’s too late.
Even if you’re covered by your employer, a client can still file a claim against you personally (as well as against the spa, salon, or doctor). If this happens, you may be liable for your own attorney’s fees, court costs, and share of the settlement. Having your own coverage isn’t a luxury. It is absolutely vital for your protection.
Two Types of InsuranceWhen shopping for liability insurance, it’s important to know that there are two types of policy out there: “Claims-Made” and “Occurrence Form.” Only the second type covers you for claims made at any time, even years later, as long as you had the policy when the actual incident occurred.
Why Choose ASCP?We’re confident that ASCP’s full package of benefits is the best available for skin care professionals. Other insurers may know next to nothing about the kind of work you do, and you may be paying too much for what you get.
With ASCP’s affordable liability protection, you’re covered no matter where you work, as long as you’re in compliance with state laws. Coverage includes disastrous product interactions (such as allergic reactions, scarring, discoloration, burns), and client accidents (for example, a client slips and falls outside your office, or a table collapses while a client is on it).
ASCP has hands-on knowledge of the profession, and in addition to insurance, you’ll also get a wide range of other benefits:
What does it cost?Annual membership at the Skin Care Professional level costs $259. Estheticians who also practice massage therapy can join both ASCP and ABMP for a single cost of $259 and receive benefits from both associations. For skin care students, two levels of student membership ($59 and $39) are available.
When you need something from ASCP—membership or career information, help on a business challenge, or a question about an insurance claim—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. We even pay for the call. So please, call us. We’ll be delighted to talk with you.
*Note: The insurance coverage descriptions above are illustrative only. Refer to a copy of the policy for specific coverages, limitations, exclusions, terms and conditions. This insurance information is provided by our insurance agent and the insurance company underwriting our program and is not a contract; it is a partial illustration of benefits, conditions, limitations, and exclusions. In the event that there is confusion or conflict between the policy language and any information provided, the policy language shall control.