Esthetician Insurance Yuba City California

Esthetician Insurance Coverages Options

• Bodily injury liability coverage.

• If a student or non-employee is injured in your reception area or during an actual procedure, then this type of coverage proves invaluable. If your business is determined to be responsible for the injury, the business may face a lawsuit for medical costs, lost employment, and other punitive damages. Bodily injury liability compensates the plaintiff for these costs.

• Premises liability coverage.

• If someone is injured on your property or if a student, vendor, or other individual files a property damage claim against your business, then premises liability insurance is important. It covers the entire property encompassed by your business, including outside areas.

• Participant liability coverage.

• Staff, volunteers, and students who become injured in off-site activities related to your business can be covered under this insurance. For example, if you provide services off-site in a spa or in clients’ homes, this coverage kicks in.

• Professional liability coverage.

• Clinicians should always have this type of coverage. If a client has a bad reaction to a treatment, this coverage kicks in to handle any injury claims.

• Worker’s compensation.

• All employees in CA should be covered under this type of policy. It pays monetary compensation for work-related accidents, injuries, and illnesses. This may include lost wages and medical costs.

• Product liability.

• Equipment failure or product side effects claims are mitigated by this type of insurance. For instance, if a product causes an allergic reaction, this coverage pays the medical costs/claim costs for you, so you’re not held personally responsible.

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