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Readers Ask ... Insurance

Posted: December 30, 2011, from the January 2012 issue of Skin Inc. magazine.

Editor’s note: The opinions and viewpoints offered in this column are those of the individuals, and don’t necessarily reflect the opinions or viewpoints of Skin Inc. magazine.

Readers Ask ... is a column featuring the responses of industry experts to questions posed by the Skin Inc. magazine audience regarding all aspects of the skin care industry, from business and ingredients to treatment protocol and legislation. Each month, a different question will be highlighted.

This month's question: Where do I start with insurance—what should I be looking for, what should I offer my employees and how do I find reputable companies?

“Make sure your liability insurance is the occurrence-form type, not claims-made; this means you are still covered against claims that are filed long after an alleged incident occurs. Encourage your employees to have their own liability coverage, because yours may not protect them off the premises, or if they are individually named in a lawsuit against your spa. Spa industry insurance providers often offer group packages so you can set up each employee with an individual policy, which can work out best for everyone. Your estheticians will be protected and, as the employer, you can keep track of all the policies in one centralized system.”

—Jesse Cormier, Executive Director, Associated Skin Care Professionals (ASCP)