Working as a Mobile beautician can be an extremely fun and rewarding career. You get to help people look and feel great about themselves. You get to work with some of the most beautiful women in the world. But you also get to do it from the comfort of your own home.
This means that you don’t have to always find a place to park, which can make things a bit difficult sometimes. If you own a business though, it may be important to consider getting Mobile beautician insurance.
There are two main types of insurance policies that you should consider buying. The first is general liability insurance. This will cover any legal liabilities that may arise over your activities as a mobile beautician.
In the event that you hurt someone or damage property when working, this type of coverage would pay for those costs. Some insurance companies offer it for free but others require you to purchase it.
The second main type of coverage that you should buy is professional liability. This is designed to protect you and your customers. This type of insurance is required by law in all states to ensure that professional beauticians like you are safe from harm while doing your jobs.
There Are Several Things That This Insurance Will Cover For, Including:
Treatment Risk Cover –
Most Mobile beautician insurance policies will include a treatment risk cover. What this cover does is pay for the cost to repair or replace physical damage that you or one of your customers may suffer during or after a treatment. This includes sunburns, cuts, and other similar injuries.
While this is rarely an issue, it’s wise to be covered even if it does happen. Remember, the goal of any Mobile beautician is to make you look good. You wouldn’t want to pay thousands of dollars to have to pay for someone’s medical bills, would you?
Public Liability Insurance –
If you don’t already own this type of insurance, it’s strongly suggested that you add it to your existing Mobile Hire Insurance. It’s basically the same as the nhf policy above except it has additional coverage for injuries that happen to customers at your place of business.
Most policies will also cover damage or theft that you or one of your customers causes while in your salon. It’s important not to overlook this type of protection because it can actually help you end up paying less in the end. Just make sure that you check with your employer or the business license authorities to be sure that you’re covered. Most of the time they’ll be the ones who require it.
Workplace liability insurance –
There are a lot of people who purchase this type of policy to protect themselves and their companies against claims that arise from being hired by a certain individual. If there is a person that works for you and has a history of having an accident in your place of business, it’s highly likely that this person may sue you or your company.
This isn’t something that you want to have to worry about but having it is going to be essential for some employers. The premiums for this particular policy are usually quite affordable. Your best bet is to talk to your current provider and see if they have a policy that you can purchase.
Product Liability Insurance –
If you sell some type of skin or beauty product, it’s wise to have this type of insurance so that you’re protected in case a customer develops an allergic reaction to one of the products. A lot of people end up suing their skin or beauty product manufacturers when these reactions occur, which is why having insurance is essential.
This particular insurance type covers a number of different events, including claims for failure to diagnose a problem, claims for malpractice, product liability, and a number of others. Be sure to take a look at the policy that you have when looking to purchase this type of insurance so that you don’t end up surprised with a number of bills after your treatments.
When buying insurance policies for working as a mobile beauty therapist, you need to take a good look at each of them and make sure that you have the right coverages and riders that will work for you and your business.
You also want to consider the cost of these types of insurance policies so that you aren’t spending too much money on something that you don’t need. Take some time to talk to your insurance provider and see if they can provide you with additional discounts that you may qualify for. Mobile beauticians need insurance too!