As an esthetician in Texas, you do not have an insurance requirement in place by the state to perform your job. However, it is strongly encouraged to do so as the alternative offers a scary scenario everyone hopes to avoid.
But what kind of insurance do you need? And how much does it cost?
Here at Texas General Insurance, we have top agents with many years of experience in the industry that can help you answer these questions and more.
Let’s take a look at the esthetician insurance Texas practitioners need and find out which one is right for you.
What Is Esthetician Insurance?
Esthetician insurance is a level of security that companies design through various policies to protect estheticians and their businesses from potential financial losses resulting from liability claims.
Esthetician business insurance is vital as it can protect against the potentially devastating costs of a claim. This type of insurance should at least include general liability, professional liability, and business personal property coverage. It can also have additional coverage options, such as property damage coverage for equipment or tools used in your business.
It is crucial for estheticians to have esthetician liability insurance because it can help protect their personal finances from potential legal costs in the event of a lawsuit. Additionally, it provides peace of mind knowing that your business activities have coverage behind them if something goes wrong during your services or while running your business.
Esthetician Insurance Texas Requirements
Before you purchase an insurance plan, it’s critical to understand the exact requirements to provide the safest level of protection to you and your business. Let’s dive into esthetician insurance Texas requirements.
In Texas, there is no law that requires estheticians to have insurance, but most clients will not consider booking an appointment with an uninsured professional. If you’re looking for the peace of mind that comes with being fully insured, the best way to find out what coverage you need is to speak with a licensed insurance agent.
Esthetician insurance suggestions in Texas include general liability, professional liability, and business personal property coverage. It’s also valuable for estheticians to have coverage for bodily injury claims and property damage as well as other types of coverage such as:
- Medical expense coverage
- Accident benefits coverage
- Stolen property coverage
- Business interruption clauses
- Cyber activities inclusion
There are many directions you can take to protect yourself when it comes to your esthetician insurance; Texas may not have strict requirements to protect you and your business – but you should!
Schedule a call with an associate today to review all the essential needs and legal requirements for your esthetician insurance.
What Does My Esthetician Liability Insurance Include?
It’s vital to know everything that your insurance plan covers, especially when it relates to your livelihood. While your coverage amounts and policy specifics will depend on your choice of plan, there are some basic similarities in all options available.
Your Texas esthetician liability insurance includes coverage for the following:
- Accidents that may occur during skincare treatments, such as burns, skin reactions, cuts, or other issues caused by the use of materials used during the treatment
- Slip and fall incidents involving clients who may fall as they get up from having treatment done
- Claims arising from bodily injury or financial loss to clients due to failed treatments or products used in your practice
- Claims resulting from biological hazards caused by infestations or infections in the facility where you practice esthetics or work with clients (e.g., bacteria)
You can opt for additional property protection or increase your general liability coverage if you choose to get a more comprehensive policy through your insurance agent.
Protect Yourself
As an esthetician, taking all the necessary steps to protect yourself is essential. If you choose to forego the recommendation of insurance, you could be putting your livelihood at risk. Not only could you face a lawsuit, but you could also lose your business entirely.
When it comes to esthetician insurance, it’s better to have it and never need it. This fact is especially true when the alternative is not to have it but desperately need it later.
While this may seem like a lot, it’s important to remember that the cost of a lawsuit can easily exceed this amount. You could be on the hook for thousands of dollars or more if you’re found liable for damages.
In addition to covering any liability risks, esthetician insurance will frequently cover the cost of equipment replacement if someone steals the materials necessary for your trade. When you earn your primary income by being an esthetician, it’s critical to ensure you have protection in case of an unexpected loss.
Lastly, another reason to obtain insurance is to be able to work. Many spaces available for rent in Texas require proof of insurance before they will allow an esthetician to apply. You don’t want to put in the time and effort to find the perfect space only for the landlord to turn you away because you don’t have insurance.
If you’re an esthetician in Texas, obtaining insurance is one of the best decisions you can make for your business. If you need clarification about which policy is right for you or have any questions, please contact us. We’re here to help you find the perfect insurance policy for your business so that you can focus on what you do best.
Final Thoughts
If you’re an esthetician in Texas looking for quality, affordable coverage, you must check out Texas General Insurance.
Our customer service team is available around the clock to help you find the right policy for your needs, and we offer a variety of policies from top brands at discount prices.
Additionally, our easy access to a wide range of policies means that you can find the perfect one for your business. So whether you’re just starting in the industry or have been working as an esthetician for years, don’t hesitate to call us to get a free quote started today!