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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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!
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.
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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