If you operate an eyelash extensions application spa in Huntsville, you will have a chance to transform the looks of your clients which is a great responsibility. However, this responsibility may turn into a liability if an accident occurs and the client asks for compensation. If you did not have an insurance cover, the financial obligations may be too much and may even bring an end to your career as a lash artist.
The following are the most important insurance content that should be included in your insurance cover:
- Professional liability cover: This will be applied in case anything goes wrong in the cause of the eyelash extensions application. The lash glue could get into the eye, or you accidentally prick your client’s eye when she accidentally moves during the application. These are some of the risks that this cover will offer compensation.
- General liability cover: This will offer compensation in case a client falls, or trips leading to bodily harm while at the spa.
- Product liability cover: this will ensure that the client is compensated in case an allergic reaction occurs as a result of any product that is being used in the eyelash extensions application.
You should carry out a background search before making a choice of the insurance company to get the insurance cover from. Some of the insurance companies will assure a client of a huge compensation in case the risk insured occurs but when the compensation time comes, the money that is required will not be available.
The right insurance company should provide individual aggregate for individual clients so that you can remain assured that in case anything goes wrong, the compensation will be issued without any delays or lame excuses.
You can also look at the reviews from customers who have insurance covers in that company to know if they are reliable when it comes to payment. Go for the company that has the most positive reviews as you will also have the assurance that you will be compensated when the need arises as well.
Liability insurance covers are of different types;
Claims-made insurance: this cover will ensure you get compensated ONLY if your premiums payments are up to date when the claim is officially filed.
Occurrence policy: this is an insurance cover that will offer compensation even after the policy has been canceled as long as the incident occurred when the policy was still active. A spa owner may get into a mess that may lead to the closure of the spa and this will mean canceling the policy. If an incident happens during the time that the policy is active, the amount insured will still be payable regardless of the cancellation.
When choosing an insurance cover for your eyelash extensions spa in Huntsville, you should conduct a thorough background search of the insurance companies that claim to offer the cover you are looking for. Commit your money in an insurance company that offers a guarantee of payment in case the incident insured occurs. Failure to do this will lead to financial implications that you were not prepared for in the future. You can seek advice from the more established spas if you are still not able to identify the right insurance company.