Skinsurance: Everything You Need to Know About Coverage, Liability, and the Spa

Through the years, we have seen many unexpected claims, especially those that relate to general liability. While spas understand professional requirements, general liability claims are often due to bad luck or situations that could not be foreseen. Below are some examples of claims that were not expected but could have been avoided. DOG BITES GIRLFRIEND IN A SALON – A SAD TALE Having a dog…
Day spas in America are doing well. They combine services and offer the busy client more than one option for beauty treatments. Most spa owners understand the need for professional liability and property insurance, but there are also some general liability issues that spas have. Some of the largest claims paid relate to water. While a small beauty salon that cuts hair might not have…
Most spas would prefer to hire people as independent contractors. The added cost of making people employees can be staggering. Employers are assessed payroll tax on their employees and they are required to purchase worker’s compensation insurance. Checks must be issued to each employee with the appropriate deductions taken out, which could lead to hiring a payroll processing firm, especially if there is more than…
The aesthetic industry offers a wide variety of services and procedures. When reviewing a spa menu, it is important to decide when informed consent is needed. Informed consent is the process by which a spa professional advises a client of the potential benefits and risks involved in the treatment. This enables the client to make a reasonable decision regarding the procedure. WHY INFORMED CONSENT IS…
You might not think stiletto heels have anything to do with the spa or insurance. But, as an insurance broker of many years for the beauty and skin care industry, I can tell you otherwise. As of this date, we have had three claims in the last 10 years which were due to stiletto heels. It’s amazing to think of women’s shoes as being anything…
The world is full of strange diseases and how people pick them up is often one of the great mysteries of life. Once a person has an infection, they will likely assign blame to the last known service or treatment they received. If that treatment was at a spa, there could be a claim. Staph infections can happen if a person has an extended stay…
There are many theories on how climate change affects our world. In the past, some people chose not to believe in it. Looking back at 2017 and 2018, it is much harder to deny the existence of climate change. There were numerous hurricanes, much of the Midwest was beset with tornadoes, and the west had two record-breaking fire years. There have been huge winter storms…
The United States is a melting pot and always will be. Anyone who has done a DNA testing sample is likely to find multiple ethnic strains. Multiple heritages make it much more difficult to classify someone into one of six Fitzpatrick skin type categories. It has been said you can’t judge a book by its cover. While that may be an overused adage, it certainly…
In the not too distant past, if a man propositioned a woman and it was unwelcome, she simply slapped him or told him to eat dirt or go somewhere else. Nowadays, people often go directly to their attorney when they feel there has been an improper suggestion in a business setting. A business setting includes a spa. Sexual abuse claims are on the rise everywhere.…
About a year ago, one of our clients, a permanent cosmetic professional, called to say her client was in a panic because of an allergic reaction to her eyebrow pigment. When the professional did not call back in a timely manner, the client went to her doctor and had the pigment excised – twice. This left a rather large indentation in the skin. We are…

Relax Clients, Not Standards

Written by Susan Preston
A spa should be a relaxing place for all clients. Women and men enjoy being pampered and taking a break from stress. As life becomes more hectic, the role of the skin care professional is to provide a haven where people can slow down for a short period and be the center of attention. To give clients the best experience, professionals should not become relaxed…

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Next-Level Learning

  • Aesthetic Science InstituteAesthetic Science InstituteDescription: All About Where You're Going! The mission of the Aesthetic Science Institute is to provide an exciting and challenging learning experience that stimulates professionalism, passion and motivation for future licensed estheticians. Prepare yourself for a ...