The goal of every cosmetologist should be to have each client leave his or her services feeling more confident and looking his or her best. But, because of the closeness of the majority of services in the cosmetology industry, there will always be a risk of accidents—rather it be a client slipping on product residue on the floor or reacting negatively to a new facial cream.
If cosmetologists carry liability insurance, they do not have to work with fear of a potential legal claim against them. Carrying the appropriate cosmetology insurance can help.
Two Main Types of Cosmetology Insurance
Professional liability (malpractice): protects your practice against claims made against the service you provide. For example, if a client has a negative skin reaction to a new cream used during a facial treatment, he or she could choose to file a claim against you.
General liability (or slip-and-fall scenario): protects your cosmetology business and reputation in the event of a lawsuit arising from an accident. For example, a client trips and falls due to slippery product residue on the floor sustaining an injury, he or she could file a claim for damages.
Colorado 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 Colorado.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,800 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 a valid cosmetology license plus two years of experience in the industry.
Does the state of Colorado require me to complete continuing education units (CEUs)?
No, CEUs are not required in the state of Colorado.
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 or even-numbered years by April 30—along with a $32 dollar fee or $47 dollar reinstatement fee.
Moving to Colorado from another state?
No problem, just make sure you currently submit an application for licensure by endorsement and hold a valid cosmetology license from your home state with equivalent requirements.
Importance of Carrying Cosmetology Insurance
Due to the variety of services the cosmetology industry provides, even the most experienced beauty professional can make a mistake. There will never be 0% risk of an accident occuring. Cosmetologist insurance can protect both yourself and your reputation as a cosmetology professional against potential lawsuits.
Although liability insurance is not required in the state of Colorado, it is a financially wise decision to protect a career you have worked so hard to obtain.