04/09/2024
The importance of insurance and inspections is huge! I always tell this to every student. Why? Here's a post from another Canadian nail tech that had this issue.
Let’s talk insurance ….. especially all those working from home. Please make sure you have it because you never know when you will need it.
Story time … 3 years ago I had an elderly lady fall in my home after finishing up her nails. This was the 5th time coming to see me. She had to p*e and neglected to watch her footing as she hastily stood up. Down she went, she did in fact hurt herself (broke her knee actually)
Over and over she said “don’t worry honey that was my fault “ she must have said it 20x:
At the time we both thought she tripped over the baby gate I had around my enclosure to keep my 2 year old out , but when I went to grab her purse it appeared she fell on her own purse strap. The location of her fall was consistent with the purse strap and not the 1/2”gate lip at the opening of the gate.
Fast forward 6 months , I receive a text saying she isn’t getting better and she is seeing a lawyer . When I received the paperwork it said she tripped due to unlevel flooring and door jams . (This is was not the case)
I had an inspector come and take my statement and he agreed that it was not my flooring or door jams that caused her fall. He said the fact she had been there 4 other times and was well aware the gate was there (had it been the gate she tripped on) is on her, it was her own negligence that caused her fall whether it was the gate or not.
Fast forward 3 years… I never got to speak to anyone after this about this, I never got to look her in the eye and call her a liar and she was just awarded 120,000$ of insurance money.
I am grateful I had insurance but disappointed because I know I was not at fault for this. I worked in insurance for 15 years for personal and commercial liability and how ironic it is that I ended up being sued.
So now my insurance rates will increase (by how much? Most likely 15%) I now know to get an incident report or statement should that ever happen again , which I sure as heck hope not.
SO moral of the story , go get insurance if you don’t have it because it can happen to you.
My reply to everyone: I keep an incident book for anything like this - customer complaints, nicks, anything. Date, time, detailed information, who else was present. You have to protect yourself. Insurance is a must to protect you financially, but memory isn't always concrete.