What are your thoughts about the question-do Aestheticians need their own insurance even if they are an employee?

I believe that every aesthetician should have their own insurance, EVEN if they are an employee.  If you are touching another human being, then you should be properly covered.  The aesthetician does not know if their employer paid the monthly bill for the salon insurance.  What is something was to happen during that time.  Who would be responsible for the damage to the client?  What are the thoughts of my fellow colleages.

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Comment by Bryndl Mar on November 6, 2013 at 12:14am

I'm just starting out and I bought insurance before any equipment, biz cards or taking a single client. I'm school i saw a girl get her face severely burned in a chemical peel class and could only imagine the suit she could have filed if not for the waiver she signed. I don't even have health insurance but I do have insurance for my business!

Comment by Maryanna Nardone on October 30, 2013 at 11:49pm
Omg omg omg! Insurance is a must have I wouldn't even want to speak to another aesthetician who didn't have insurance! I'm 22 yrs in business if ur a professional u carry ur own insurance whether u work from ur home or in a big spa or Medi spa don't expect anyone to take on the responsibility for u! Never I repeat work on a client without being insured!!! Would u drive ur car without insurance? I'm very passionate about this! I don't get how many dont think this comes first before equipment purchases!
Comment by Relax & Rejuvenate on October 28, 2013 at 10:31am

Does not matter

An employer is responsible for what goes on under their roof.  Employees cannot be held accountable for their action unless there is demonstrable pre-meditation to do harm.

Job-Related Accidents or Misconduct

Under a legal doctrine sometimes referred to as "respondeat superior" (Latin for "Let the superior answer"), an employer is legally responsible for the actions of its employees. However, this rule applies only if the employee is acting within the course and scope of employment. In other words, the employer will generally be liable if the employee was doing his or her job, carrying out company business, or otherwise acting on the employer's behalf when the incident took place.

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