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Beauty Insurance Plus

Beauty Insurance Plus - Professional Liability Insurance

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California Cosmetology Insurance

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In California, cosmetologists offer a wide range of beauty services, from facials and hair care to manicures and pedicures, all with the aim of helping their clients feel their best. However, these services are not without risk, and even a small accident could have serious consequences, potentially damaging a cosmetologist's career or practice.

To mitigate these risks, it is crucial for every cosmetologist to carry the right liability insurance. By doing so, they can continue to provide their clients with top-quality services without worrying about the financial impact of an unforeseen event. With the right coverage in place, cosmetologists can focus on their craft, confident that they are protected no matter what.

california

California Cosmetology License Requirements

Prerequisites

  • At least 17 years old
  • 10th grade education or equivalent

Training

  • 1600 school hours / 3200 apprentice hours
  • Written and practical exams

Instructor License

  • Valid License, certification through post-secondary education
  • $50 fee

Renewal

  • Renew every 2 years, in odd-numbered years, by the original licensing date
  • $50 fee

Reciprocity

  • Must hold a cosmetology license in good standing in home state
  • Must be licensed 3 out of the last 5 years

CEUs

  • Not Required

State Board Information

California Board of Barbering and Cosmetology
(800) 952-5210
barbercosmo@dca.ca.gov

Note: This information has been gathered from external sources and is for informational purposes. Please check with your local regulations to verify your state and local requirements.

How Much Does California Cosmetology Insurance Cost?

Cosmetologist insurance in California can have a wide range of costs and fees. However, at Beauty Insurance Plus, we don't believe in nickel-and-diming our members. We keep our insurance costs as low as possible to help our members enjoy the coverage they need without breaking the bank. We offer three plans to choose from. Our members can choose the perfect plan to match their budget and coverage needs. We offer the following plan options for cosmetology insurance in California:

  • Students pay only $49 for the first year of coverage.
  • Full-time beauty professional plans start at just $169 for one year of coverage.
  • Pro plans for two years of coverage help members save just $299 per year.

Two Year

$299

Per 2 Years

Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.

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One Year

$169

Per Year

our first year introductory rate. take advantage of everything we have to offer!

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Student

$49

First Year

Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.

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What Does Cosmetology Insurance Cover?

  • Professional Liability (or malpractice) includes any grievances or claims filed by clients claiming to suffer injury or damages due to negligence on behalf of the cosmetologist. Examples include: chemical burns to the scalp due to a hair color treatment gone wrong or an infection received from a nail treatment.
  • General Liability (or slip-and-fall scenario) protects you against third-party claims for both bodily injury and property damage. Examples include: someone gets hurt by tripping over a salon chair or a client steals a product.
  • Hair Styling
  • Skin Care
  • Nail Decorations
  • Massage

Chemical Wave

Children

Custom Wrap

Design, Cut, & style

Flash or Balyage Highlights

Hair Bleaching

Hair Coloring

Hair Treatments

Hairshaping

Instruction

Permanent Wave

Shampooing

Straightening 

Thermal Styling

Waves

Weave

Wet Styling

Wig Stylist

Nonmedical Care of Skin

Acne Treatments

Body Scrub

Chemical Peel (no lasers)

Cold Light Series 6 Pacials

Color Consultations

Cosmetic Massage 

Dermaplanning

Eyebrow Shaping

Eyebrow Tinting

Eyelash Extensions

Facials

Hair Removal (no lasers)

Herbal Wraps

Instruction

Make-up (not permanent)

Manicures

Micro-Current Toning

Micro Needling

Microdermabrasion 

Pedicures

Salt Scrub

Skin Peels

Ultra Sonic Facials

Ultra Sound Facials

Vitamin C Peels

Acrylic

Airbrush Designs

Charms

False Nails

Foot Scrub

Gel

Gems

Glitter 

Instruction

Manicures

Nail Art

Nail Extensions

Nail Repair

Painting

Paraffin Pedicures

Polish 

Stencil Designs

Varnish

Youth

Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics

Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu

Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique
Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing

Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Policy Highlights & Benefits

  • Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
  • Personal and Advertising Injury: $2 million per year 
  • Identity Theft Protection: $25,000
  • Instant coverage and certificate of insurance
  • Occurrence form coverage, the industry's preferred choice
  • Receive 50% off your first two-month subscription to GlossGenius, scheduling software
  • All-inclusive, mobile coverage for more than 500+ beauty and wellness services
  • Get 10% off your subscription to BTCUniversity
  • Access to Beauty Insurance Plus's Insurance Marketplace with options for group rates on health, vision, and dental plans.

The #1 Choice for Cosmetology Liability Insurance

We understand you have lots of options for beauty insurance in California. At Beauty Insurance Plus, we offer generous coverage limits, outstanding protection, and incredible member perks and benefits. In the broad landscape of insurance companies, BIP stands out for astonishing policyholder satisfaction, ease of application, and superior care. 

Our members not only enjoy the total coverage package of our liability insurance but also the affordable prices and portable coverage. If you choose BIP as your liability insurance provider, you can access our full support, incredible benefits, and confidence-inducing coverage. Our members consistently rate our services as excellent and outstanding in our field. You, too, can join the thousands of satisfied members by joining the BIP family. 

Frequently Asked Questions

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, you are eligible to obtaining a cosmetology license in the state of California.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,600 school hours or 3,200 apprentice hours and pass both written and practical exams.

Do I need a license to be a cosmetology instructor?

A cosmetology Instructor license is not required in the state of California.

Does California require me to complete CEUs?

CEUs are not required in California.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years—in odd-numbered years, by the original licensing date.

Moving to California from another state?

No problem, just make sure you hold a cosmetology license in your home state for at least three out of the last five years.

What does a BIP cosmetology insurance plan cover?

While other cosmetology insurance providers in California offer less coverage for more money, we include everything a beauty professional needs to feel confident in their liability insurance coverage. From day one, you'll enjoy the full suite of coverage to protect you from every angle. Every Beauty Insurance Plus liability policy includes coverage for the following areas: 

  • General liability to protect against universal risks, like slips and falls.

  • Professional liability to mitigate the risks of professional mistakes or errors.

  • Product liability in case something goes wrong with the product you use, your equipment, or a product you recommend.

  • Personal injury and advertising injury in the case of slander, libel or copyright infringement.

  • Identity theft protection to keep your personal and business data safe.

  • Tons of member benefits. 

  • So much more! 

As a member, you'll enjoy more coverage at the same low price. 

What are some typical claims covered by cosmetologist insurance in California?

Of course, a liability claim can stem from several incidences, like accidents, mistakes, or negligence. Despite your best efforts, even seasoned cosmetologists can accidentally cause harm to one of their clients. Here are some of the most common claims covered by cosmetologist insurance in California:

  • Cuts 
  • Burns
  • Slips and falls
  • Chemical damage
  • Unsanitary facility conditions or treatments
  • Cosmetic damages  

Why Is It Important to Have Insurance For Your Career?

Providing beauty services often requires close contact with clients, which can increase the risk of accidents occurring. While it's easy to think that the chances of something going wrong are low, the truth is that accidents do happen, and it's essential to be prepared to protect both yourself and your career.

For instance, if you're applying hair color to a client, and the treatment is left on for too long, it could result in damage to the hair or burns to the scalp. In such a scenario, the client may decide to sue you for damages or emotional distress, leaving you to bear the entire cost of the lawsuit. However, if you have the right liability insurance, your finances and reputation will remain protected.

Rather than taking chances with your livelihood, it's crucial to prioritize protecting your career and business by having the appropriate insurance coverage in place. With insurance, you can work confidently, knowing that you're prepared for any unexpected incidents that may arise while providing your valued services to clients.

Beauty Insurance Plus

8430 Enterprise Circle, Suite 200
Lakewood Ranch, FL 34202
info@beautyinsuranceplus.com
(800) 941-3583

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202. All Rights Reserved.

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