North Carolina Cosmetology Insurance

As a cosmetologist in North Carolina, you work with numerous clients every day. Working so closely with customers, while using various electrical equipment or chemicals, accidents are not far off the radar. Even the most seasoned cosmetologist can fall into a lawsuit. Without insurance, this could be both financially draining and career limiting.

Yes, a business insurance policy can protect you from injuries that occur inside your business, but carrying your own professional cosmetology insurance policy can preserve the longevity of your career.

Two Main Types of Cosmetology Insurance

Professional liability (or malpractice) protects you against claims made against you by clients who suffer damages due to an error on behalf of your services. Examples include: burns to the scalp due to a hair chemical that stays on too long or an infection received from an allergic reaction to a facial product.

General liability (or slip-and-fall scenario) protects you against claims made against you by clients who suffer bodily injury, or covers you from a certain amount of stolen equipment. For example, if a client walks out the door with a bottle of new, high-end moisturizer, you would be protected with this insurance coverage.

Why choose cosmetology insurance coverage?

Accidents can happen, whether in or out of your control. You’ve now spent thousands of hours earning your cosmetology license, why leave its credibility to fate just because a client may not be happy with his or her haircut and files for emotional distress. Both your professional career and your financial well-being deserves to be protected from scenarios similar to this one.

Unfortunately, it’s human nature that mistakes happen. But fortunately, you can choose to prepare for these unlucky scenarios and protect your career with a simple solution—cosmetology liability insurance.

North Carolina Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

Yes, you are eligible to obtain a cosmetology license in the state of North Carolina.

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

You will have to complete 1,500 school hours and pass board exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license and complete a 800-hour training program. Or, you need proof of five years of full-time work in a cosmetic art shop.

Does the state of North Carolina require me to complete continuing education units (CEUs)?

Yes, cosmetologists are required to complete 24 CEUs every three years, and instructors are required to complete 8 CEUs every year.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every three years by October 1st—along with a $23 dollar fee.

Moving to North Carolina from another state?

No problem, just make sure you hold a license in good standing, with no disciplinary actions. Or, you are licensed in a state that offers reciprocity to North Carolina.