Florida Cosmetology Insurance

Whether you are a hairstylist, skincare specialist, or nail artist, every cosmetologist in Florida should have liability insurance. Clients put their trust in you to make them look and feel great. Although every cosmetologist provides beneficial services to their clients, accidents can always happen.

In order to prevent any type of risk to your business, it is important to obtain the appropriate cosmetology liability insurance.

Professional liability (or malpractice) covers any grievances or claims filed by clients claiming to suffer injury caused by negligence on behalf of the cosmetologist. Examples include: injuring a client or an infection received from a nail treatment.

General liability (or slip-and-fall scenario) protects against third-party claims for bodily injury and/or property damage. From a facial cream that breaks out your client’s skin to accidentally damaging your client’s property due to an equipment malfunction, general liability insurance would protect you from these potential lawsuits.

The more coverage you have, the better off you’ll be—the general rule for liability insurance. Keeping this rule in mind will better your cosmetology career in terms of protecting your business from financially draining lawsuits. Because both your business and your reputation can be damaged by the threat of litigation, carrying liability insurance is essential. Don’t let the hard work of building a successful beauty business go to waste in an instant. Choose yourself and your career first and be covered today.

Do I have prerequisites to complete?

If you are at least 16 years old and have a high school diploma, you are eligible to obtain a cosmetology license in the state of Florida.

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

You will have to complete 1,200 school hours and pass both written and practical exams.

Do I need a license to be a cosmetology instructor?

No, a license is not required.

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

Yes, 16 board-approved CEUs are required for renewal of your license.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must pay $55 dollars per renewal and must renew his or her license by October 31—group one licenses have to renew on even-numbered years and group two licenses have to renew on odd-numbered years.

Moving to Florida from another state?

No problem, just make sure you hold a cosmetology license from another state with equal requirements. Otherwise, you must complete additional training hours to qualify for Florida endorsement.