Florida Cosmetology Insurance
Professional liability insurance that covers hair stylists, estheticians, makeup artists and 500+ more cosmetology and wellness professionals.
How Much Does Cosmetology Insurance Cost in Florida?
Although some insurance companies charge greater sums for less coverage, we offer outstanding coverage at an incredibly affordable rate. Our members can enjoy total confidence in their coverage without a stuffy price tag and exorbitant fees.
With affordable plans and flexible payment options, we not only make cosmetologist liability insurance affordable but accessible. We offer three different plans to best fit your budget and career stage.
Two Year
$299
Per 2 Years
Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.
One Year
$169
Per Year
Protect your career & Receive the peace of mind that you deserve with the #1 rated liability insurance in the industry.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
Cosmetology Insurance Highlights & Benefits
The #1 Choice for Cosmetology Liability Insurance
Sure, you likely have near endless options for cosmetology liability insurance in Florida. However, BIP stands out for our incredible service, generous coverage limits, low prices, and unparalleled benefits. For what you'll pay, you'll be astounded by how much coverage and perks you'll receive. As a BIP policyholder, the world of possibility is open to you.
The best part is you don't even have to take our word for it. Listen to the hundreds of satisfied policyholders who have rated us with glowing admonition. Over 200K professionals have trusted Beauty Insurance Plus Our great-rating on Trustpilot is one of our proudest achievements and testifies to how we genuinely care for our policyholders. If you're ready to join these and countless others, register for Florida cosmetology insurance today!
I've been with Beauty Insurance Plus for going on 4 years, they are super affordable and offer great coverage. Their sign up and renew processes are so easy and simple. They even allow me to renew for two years at a time which I love! One less thing to think of! 10/10 recommend
Julia Skawrlo // Cosmetologist
I used this insurance when I decided to go solo esthetician and it was the best decision, you get all the support from them, customer service are easy to reach out.
Kawtar Mezouaq // Esthetician
I am going on 30 years of being a hairdresser and never once had a problem with a clam. I have paid so much money through the years I hate to even add it up! This is truly a huge savings and I thank Beauty Inc Plus so much for helping me save where I can! I only work part time and couldn't afford it if it wasn't for them! Its truly a life saver!!
Lisa England // Hairstylist
What Does Cosmetology Insurance Cover?
Over 500+ Cosmetology and Wellness Services Covered
At Beauty Insurance Plus. we offer coverage for more than 500+ services at no additional cost.
See our top services below:
- Skin Care
- Nail Decorations
- Massage
Chemical Wave
Children
Custom Wrap
Design, Cut, & style
Flash or Balyage Highlights
Hair Bleaching
Hair Coloring
Hair Treatments
Hairshaping
Instruction
Permanent Wave
Shampooing
Straightening
Thermal Styling
Waves
Weave
Wet Styling
Wig Stylist
What coverage does BIP include?
Unlike countless insurance companies that offer too little coverage for too high a price, BIP offers generous coverage limits, incredible benefits, and a complete set of protective policies. We don't squeeze our policyholders for every last penny and include the following coverage for every beauty insurance policy:
- Professional liability coverage for errors and omissions.
- General liability for accidents, like slips and falls.
- Identity Theft Protection coverage
- Personal Injury and Advertising Injury Coverage
- Over 500 modalities, services, and techniques.
- Incredible member benefits
- So much more!
We genuinely desire for our policyholders to feel utterly confident in their protection. We include all this and more in every beauty insurance policy.
In Florida, cosmetologists offer a diverse range of beauty services, aiming to enhance their clients' well-being. Yet, these services carry inherent risks, and even a minor mishap can imperil a cosmetologist's career.
To safeguard against such risks, every cosmetologist must have appropriate liability insurance. This allows them to provide top-quality services without financial concerns in the event of unforeseen incidents, fostering confidence in their craft, knowing they're protected.
Florida Cosmetology License Requirements
Prerequisites
- At least 16 years old
- High school diploma
Training
- 1200 school hours
- Exams
Instructor License
- Attend a cosmetology school that offers a certification program
Renewal
- Renew by October 31
- Group 1 licenses: odd-numbered years, $40 fee
- Group 2 licenses: even-numbered years, No fee
Reciprocity
- Hold an active license in another state with equal requirements
- Otherwise, must complete additional training hours to qualify for endorsement
CEUs
- 10 board-approved CEUs for renewal
State Board
Florida Division of Professions, Board of Cosmetology
(850) 478-1395
Click for Contact Form
Note: This information has been gathered from external sources and is for informational purposes. Please check with your local regulations to verify your state and local requirements.
Frequently Asked Questions
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.
You will have to complete 1,200 school hours and pass both written and practical exams.
No, a license is not required.
Yes, 16 board-approved CEUs are required for renewal of your 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.
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.
While by law, cosmetologists may not be required to hold liability insurance, it could be a critical mistake to go without it. A personal liability insurance plan can help mitigate the cost of a liability lawsuit if you make a mistake or a client is injured while under your care. For example, if you accidentally leave chemicals in a client's hair for too long and they receive chemical burns, they could hold you legally responsible for their medical expenses, replication costs, and other compensation needs. Without liability insurance, these expenses could put your financial stability or even your career at risk.
Furthermore, several salons and spas require liability insurance as a prerequisite. Cosmetologists without liability insurance will find it highly challenging to procure a steady position.
Why Is It Important to Have Insurance For Your Career?
Providing beauty services often requires close contact with clients, which can increase the risk of accidents occurring. While it's easy to think that the chances of something going wrong are low, the truth is that accidents do happen, and it's essential to be prepared to protect both yourself and your career.
For instance, if you're applying hair color to a client, and the treatment is left on for too long, it could result in damage to the hair or burns to the scalp. In such a scenario, the client may decide to sue you for damages or emotional distress, leaving you to bear the entire cost of the lawsuit. However, if you have the right liability insurance, your finances and reputation will remain protected.
Rather than taking chances with your livelihood, it's crucial to prioritize protecting your career and business by having the appropriate insurance coverage in place. With insurance, you can work confidently, knowing that you're prepared for any unexpected incidents that may arise while providing your valued services to clients.
