Tennessee Cosmetology Insurance

If you are currently a professional cosmetologist in Tennessee, you should be protecting your reputation and your business. Cosmetology insurance can shield you from the aftermath of lawsuits filed against you for accidents—in or out of your control.

Like any other profession that involves providing advice and wellness services, it is crucial for every cosmetologist to carry professional liability insurance to protect themselves against claims of misconduct or malpractice.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): covers you in lawsuit filed in result of a client claiming negligence on behalf of the cosmetologist and the services provided. For example, you could apply a chemical peel on a client who has recently had too much sun. This leads to burns on the client’s skin. In this situation, the client could file a claim against you, but you would be covered under your professional liability policy.

General liability (trip-and-fall scenario): protects you from lawsuits filed due to accidents like trip-and-falls or property damage. For example, if a product spills on the client’s wedding dress, the client could choose to file a lawsuit against you. In this situation, you would be covered under your professional liability policy.

Why should I carry cosmetology insurance?

As a cosmetologist, you work closely with each client, which can be a well-calculated recipe for a lawsuit. You may be thinking that you don’t need to be protected. But, think again. It’s not hard to think of the potential risks in cosmetology services. Beauty services, such as facials, waxing, hair dying, chemical peels, and more, can bring you close and personal with your customers. This increases the possibility of risk in each service, and accidents can happen either in or out of your control—a customer is dissatisfied with his or her service or reacts negatively to a product you used.

Choose to protect your hard-earned career by carrying the right cosmetology insurance policy.

Tennessee Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

Yes, if you are at least 16 years old and have at least a 10th grade education, you are eligible to obtain a cosmetology license in the state of Tennessee.

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 high school diploma or GED, a cosmetology license, and 300 hours of instructor training in six months. Or, one year of junior instruction.

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

Yes, 16 CEUs are required every two years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years before license expiration date
—along with a $50 dollar fee.

Moving to Tennessee from another state?

You must provide proof of a current license from another state with equal requirements. You may be able to substitute with proof of five years of work experience.