Rhode Island Cosmetology Insurance

If you are currently a professional cosmetologist in the state of Rhode Island, you should consider protecting your credibility and your financial well-being. Cosmetology insurance can protect you against lawsuits filed against you for accidents, in or out of your control.

Why should I carry cosmetology insurance?

Because of the closeness of cosmetic services and the numerous tools used that are electrical, sharp, or include chemicals, there will always be chances for risk. Unfortunately, the world is not perfect and accidents can happen. The good news is there is a solution to protecting your well-earned license.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects you in a claim resulting from negligence on behalf of the cosmetologist. For example, you could apply a chemical peel on a client who has recently suffered sun burn. This results in burns on the skin, which could lead to financial loss to the client because he or she could not go back to work for several weeks. In this scenario, the client could choose to file a claim against you, but you would be covered.

General liability (trip-and-fall scenario): covers you in any claims made resulting from accidents like trip-and-falls or property damage. For example, if a product spills on the client’s carpet floor, the client could choose to file a lawsuit against you. In this scenario, you would be covered under your professional policy.

Rhode Island Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

Yes, if you are at least 18 years old, of good moral character, a U.S. citizen/of legal entry, and have completed at least a high school education or equivalent, you are eligible to obtain a cosmetology license in the state of Rhode Island.

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?

You need a valid cosmetology license of at least three years, 300 hours of teacher training, and pass the appropriate exams.

Does the state of Rhode Island require me to complete continuing education units (CEUs)?

No, CEUs are not required.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years by September 30—along with a $67 dollar fee.

Moving to Rhode Island from another state?

You must hold a license in another state with equivalent educational requirements (work experience may be considered), and you have to pass licensing exams.