Arkansas Cosmetology InsuranceTDG-admin
Arkansas Cosmetology Insurance
If you are currently practicing cosmetology in the state of Arkansas, it is your ultimate goal to have each client leave your services with an elevated level of confidence and looking their best. But, unfortunately this is not always the case. Accidents can and do happen.
With the closeness of the majority of cosmetology services, it is easy for even the most seasoned beauty professional to make a mistake. The good thing is you do not have to continue practicing in fear of a potential lawsuit. Having the appropriate cosmetology insurance can help.
Arkansas Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 16 years old and have completed at least up to a 10th grade education or equivalent, you are eligible to obtain a cosmetology license in the state of Arizona.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,500 school hours and pass both written and practical exams.
Do I need a license to be a cosmetology instructor?
Yes, you will need to have completed 600 hours in cosmetology teaching courses and pass the appropriate exam.
Does the state of Arkansas require me to complete continuing education units (CEUs)?
No, CEUs are not required in the state of Arkansas.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew his or her license every two years by the date of the practitioner’s birthday—along with a $80 dollar fee.
Moving to Arkansas from another state?
No problem, just make sure you currently hold a valid cosmetology license and have certification of licensure and training along with passing a state law exam.
Two Main Types of Cosmetology Insurance
General liability (or slip-and-fall scenario): protects you in case a client literally trips, falls, or slips while in your place of business; but it also protects you against financial damages—caused by property damage, or other harm or injury.
Professional liability (or malpractice): protects against a cosmetologist’s negligence or flaw in his or her service. This type of insurance covers legal fees and other damages that may have occurred.
Why Should I Be Covered by Cosmetology Insurance?
(0% risk) With cosmetology being a high-contact modality, the customer’s health and the physicality involved can make a recipe for a lawsuit.
In addition to a client having a negative skin reaction to a facial cream or hair treatment, a client may trip and fall in your premises. In either case, you are at risk of a lawsuit.
Although some potential accidents are outside of the cosmetologist’s control, they still could be financially damaging. Cosmetology insurance coverage lessens stress and provides support for cosmetologists, whether it’s hairstylists, colorists, beauticians, manicurists, or makeup artists.
Without the appropriate coverage, a lawsuit can not only cost a cosmetologist his or her reputation but also can be financially draining to his or her bank accounts.