4 Questions Smart Estheticians Ask Their Employers
If you’re unsure about employer coverage,
why take a risk?
- Does your liability insurance policy cover ME individually?
Many skin care professionals who work in spas, salons, or doctors’ offices mistakenly believe the owner’s insurance covers them should there be an unfortunate client mishap. Under some plans, the business alone is protected. If you are personally named in a lawsuit, and the employer’s policy doesn’t cover you, you will be liable for your own attorney’s fees, court costs, and share of the settlement.
- Does your policy cover every type of treatment I provide at work?
Certain services, techniques, products or equipment may be excluded from an employer’s liability insurance policy. Even good employers may not fully understand who and what is covered by their insurance—that’s why you need to find out.
- Is your policy current?
Even the most competent spa owner may set an insurance bill aside and fail to renew it on time. If something happens to your client and the employer’s policy has lapsed, you won’t be covered.
- Am I covered for treatments I perform outside of your facility?
If you provide treatments to clients, friends, or family members in your home or at any other location, you likely aren’t covered by your employer’s policy.
Legal fees and defense costs can be substantial—even when you aren’t found liable. Settlements can threaten your assets and future earnings. Professionals realize that insuring themselves just makes good sense. Protect yourself with individual liability coverage from ASCP.
Learn more about protecting your assets, career, and yourself, or call ASCP at 800-789-0411 if you have questions.