The Development Of The Cosmeticians And Cosmetologists Professions And
Their Application To Professional Liability Insurance

The Development Of The Cosmeticians And Cosmetologists Professions And Their Application To Professional Liability Insurance

The Development of​ the​ Cosmeticians' and Cosmetologists' Professions,​ and Their Application to​ Professional Liability Insurance
Insurance companies do not tend to​ differentiate between cosmeticians and cosmetologists when it​ comes to​ providing professional liability insurance .​
The difference is​ actually important,​ and should be reflected in​ the​ insurance policies provided to​ cover professional liability insurance .​
The concept of​ professional liability insurance is​ that it​ is​ provided to​ professionals only .​
The basics of​ professional liability insurance is​ to​ cover malpractice or​ the​ unfortunate results of​ the​ excellent practice of​ well trained and certified professionals,​ who acquired their certification according to​ high standards and well-known institutions .​
This should have led the​ insurance industry to​ prefer the​ higher trained professionals,​ and in​ the​ beauty field these are the​ cosmetologists .​
What differentiates between cosmeticians and cosmetologists is​ that a​ cosmetician is​ someone who sells or​ applies cosmetics or​ works in​ a​ beauty parlor,​ while cosmetologists are experts in​ the​ use of​ cosmetics,​ or​ beauty specialists.
Not everyone will agree with the​ different definitions,​ and we received many responses claiming that the​ difference is​ the​ need of​ the​ cosmeticians to​ improve their public image and,​ not necessarily the​ result of​ better education or​ expertise.
The first use of​ cosmetics was in​ ancient Egypt .​
The Egyptians created a​ number of​ cosmetics: oils,​ herbs,​ fragrances for both beauty and religious purposes .​
Both women and men would use kohl (a black powder kept in​ a​ small jar) to​ outline their eyes and eyebrows .​
Throughout history,​ there has been a​ constant,​ consistent increase in​ the​ use of​ cosmetics,​ and the​ cosmetician's profession was increasingly in​ demand,​ with ever-growing status for not just a​ professional,​ but for an​ artist.
The increase in​ the​ cost of​ cosmetics along with the​ increase in​ public awareness to​ consumerism has created the​ need for protection of​ the​ cosmetician from public lawsuit in​ more complex ways than ever.
Professional liability insurance used to​ be the​ main answer to​ the​ needs of​ the​ cosmetician,​ but nowadays,​ this excellent coverage provides only a​ fraction of​ the​ protection required by the​ cosmetician of​ the​ 21st century: the​ use of​ applied products and the​ development of​ consumer protection laws has elevated the​ need to​ provide protection from lawsuits involving the​ products used (and many cosmeticians still use self-made products,​ and cannot rely on​ product liability of​ a​ manufacturer) .​
The emergence of​ hair and beauty salons has created the​ need to​ include public or​ general liability as​ well,​ and in​ the​ age of​ gender awareness,​ a​ certain protection is​ required against discrimination and gender harassment .​
It is​ an​ opportunity,​ both for the​ insurance world and for the​ professionals in​ the​ beauty industry to​ recognize the​ potential of​ cosmetologists and to​ elevate the​ level of​ professionals in​ the​ beauty industry .​
Better training,​ regulated education and instruction,​ continuous updating – all these will create a​ better environment for cosmeticians and their customers,​ and will forge a​ broader way for protection solutions by the​ insurance industry.
Today,​ people are much more aware of​ their looks .​
They purchase expensive products,​ pay a​ lot for beauty treatments and expect their cosmetician or​ cosmetologist to​ be a​ highly trained and excellent practitioner .​
The insurance world will either go with this trend and support the​ enhancement of​ the​ beauty practitioners' professionalism or​ will pay the​ price of​ old fashioned protection products .​
The one who will pay the​ price in​ this case may very well be the​ cosmetician who did not continue to​ develop professionally.

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