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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.

Sandy Leibovich is the Cosmetologist Occupations Customer Service Officer at Sinclair Insurance Company Sinclair offers cosmetologist and beautician public and professional liability insurance coverage including malpractice and errors and omissions.

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Almost daily we hear people saying I must go on a diet or I need to lose a few pounds. These people are usually addicts of the slimmers’ market or are overweight and are just talking about weight loss as a means of consoling themselves, knowing that they probably will not make the effort that is necessary to achieve their “target weight”.

It seems in today’s society that weight loss is an almost constant concern, not just by the people who manufacture all sorts of slimming aids, but also the general pubic who seem that much more aware of the need to keep the calories down.

There are probably a hundred and one ways that retailers will tell you is the best method to make those stubborn inches reduce. However, common sense says that the only real way to keep weight down (that’s if you haven’t already lost it) is regular exercise and sensible eating. Personal opinion doesn’t enter into it. Our GPs have been telling us for years about these two facts but why do we consistently choose to ignore them? Does it sound too difficult?

Fact number one, as we get older - and the “lower end” of this scale has dropped to 40 years of age - probably because of lack of care, bad lifestyle management, bad eating, the only exercise taken is a walk to the car, one in four people are pretty well sure to have developed Type 2 diabetes. Obesity is the main cause of this condition. The side effects being high blood pressure, loss of circulation, usually in the feet, kidney problems, eye problems, etc, etc. It will eventually catch up with you. Promise!

Remember one in four: so if you’re sitting on a 60 seater bus, chances are 15 people could have diabetes - yes 25 per cent!

So, what’s the cure for diabetes. Answer. Nothing! On the one hand, we can ignore it, keep stacking the weight on, keep eating rubbish, let the blood pressure rise, start losing our eyesight, have problems with the waterworks. Then prematurely die!!

There is an alternative though, which involves weight loss. Many, many diabetics take responsibility for their condition - and that includes weight loss. They exercise regularly, eat plenty of low-fat food, plenty of pulses, as much diet drink as they like and, most importantly, walk for 30 minutes a day at least three times a week.

Weight loss is a critical issue in the society we live in today. With foods mass produced, it is up to us to keep ourselves in good condition. That means losing weight. It isn’t really that difficult. We hear a lot from the more famous weight loss companies about their products giving you the ability to lose more weight than their rivals. But, commonsense, a visit to the library to see what a diabetic eats - which is always a good guide. Write yourself a little chart with your regime and away you go.

You will be surprised just how quickly you will get into shape. And, more importantly, it will be fun to do and you will certainly reap the benefit in the long run, especially if you are getting on in years.

Michael Russell
Your Independent guide to Weight Loss

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Cosmetic dentistry is the different procedures undertaken by a dentist to enhance your smile. In today’s world looking good and appearing presentable is one of the vital elements for success. Cosmetic dentistry can work wonders on your physical appearance by boosting up your self image. Cosmetic dentistry has changed the way the world looks at you and the way you look at the world.

Due to the advancement in the field of cosmetic dentistry it has become possible to fix almost all types of dental defects. Cosmetic dentistry is capable of aligning, brightening, shading, replacing, porcelain laminating and filling up any holes in your teeth. Cosmetic dentistry is undertaken purely to enhance the smile and appearance of a person. There are different types of cosmetic dentistry procedures for a person to choose from.

Teeth whitening: stained yellow teeth can be the source of acute embarrassment. Due to the consumption of different types of foodstuff teeth staining or yellowing has become very common. There is a wide variety of options available to a person to get rid of this embarrassing problem. Simply applying a bleaching agent in consultation with your dentist will solve the problem for you. Wither teeth can result by bleaching within two to three weeks.

Bonding: this is a technique which can be used to repair tooth which are broken, on gaps between teeth or to alter the shape, size and color of teeth. In this procedure a dentist first of all removes the effected portion of the teeth. After that composite resin is bonded or attached to the effected portion of the teeth. Bonding requires just one session with your dentist. Embarrassing small gaps between teeth can be easily replaced through bonding.

Porcelain veneers: these are white wafer like thin layers of porcelain. Veneers can be used to cover different types of dental defects like chipping, cracks, discoloration and any changes in the size and shape of the teeth. Undergoing a veneer procedure is very simple. At the most it will require you to have two sessions with your dentist. Porcelain veneer laminates have been used extensively with great results. Porcelain veneer laminations are great means to perfect your smile and win hearts!

Gum contouring: this is another way to perfect your smile! In some people it has been seen that bone grafting enhances the appearance of gums in the mouth when they smile. To rectify this defect, implanted fillers can be used. This can help you in perfecting your gum line. If you feel conscious about your gummy smile, gum contouring is the solution for you.

Help is available in abundance these days to help you smile with confidence. All you need to do is find a dentist who is efficient in providing cosmetic dentistry services to you. Make an appointment with him and see what procedures will work out for you. Undertake the recommended cosmetic dentistry procedures and see how it work wonders for your personality.

Summary: - Smiling woes can no longer bother you now! Cosmetic dentistry has come a long way and can help you in overcoming most of the dental deficiencies. Nothing must deter you from reaching out and fulfilling your dreams. Dazzle the world with your beautiful smile.

Sushant a researcher of medical science , working in Apollo Hospital.

To know more Cosmetic dentistry

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