Delaware Cosmetology Insurance

Cosmetologists practicing in the state of Delaware should be aware of the importance of carrying professional liability insurance. Every licensed cosmetologist wants each of his or her clients to leave each appointment feeling and looking their best, but unfortunately, this is not always the case. With the vastness of the beauty industry and the closeness of the majority of cosmetology services, there will never be a 0% risk factor for accidents to happen. Even the most seasoned beauty professional can slip up or make a mistake out of his or her control. Because of this, it is essential for cosmetology professionals to be prepared for potential lawsuits and carry the appropriate liability insurance in order to protect both themselves and their career.

What does cosmetology insurance cover?

Professional liability (malpractice): protects a cosmetologist against claims made due to negligence or error on behalf of the cosmetologist. This professional liability policy covers you professionally if the client experiences damages or injury due to this negligence or error. For example, a cosmetologist could use a new facial cream that causes the client’s skin to react negatively causing medical costs. Instead of a tainted reputation and the financial-drain of lawyer fees, you would be covered.

General liability (trip-and-fall scenario): protects cosmetology professionals against any lawsuit stemming from damages or injury that occur on the property of the cosmetologist. For any cosmetologist who provides services to clients on his or her property, general liability insurance protects you professionally from a lawsuit caused by using a product resulting in bodily injury or medical costs. For example, a client could slip and fall on your floor and file a lawsuit against you.

Why do I need to be covered?

Although we wish you a long career without any accidents, the percentage of risk is too great to ignore. Is your career worth putting on the line when it could be so easily protected? It is better to ensure your reputation and professional career is covered in case of any potential incidents or financial burden. Alleviate the stress of these accidents and choose to be covered with cosmetology liability insurance.

Delaware Cosmetology FAQs

Do I have prerequisites to complete?

If you have completed at least a 10th grade education, you are eligible to obtain a cosmetology license in the state of Delaware.

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

You will have to complete 1,500 school hours or 3,000 apprentice hours and pass both theory and practical exams.

Do I need a license to be a cosmetology instructor?

Yes, you will need to have a cosmetology license and have completed 500 training hours, or 250 training hours plus have two years of experience.

Does the state of Delaware 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 by October 31 of every even-numbered year.

Moving to Delaware from another state?

No problem, there are two methods to transfer your license. The first method includes having a license in a state with equal requirements. The second method is to submit a notarized statement from an employer certifying that you have been working for at least five years.