As a licensed cosmetologist in Georgia, you should know the benefits of carrying professional cosmetology liability insurance to protect both your credibility and your finances.
Holding your own professional insurance can benefit you further than the partial coverage you may hold through your employer. You won’t have to run in to personal claims and liability, if a patron claims more damage than what your employer covers. If a client claims emotional stress or bodily injury due to a treatment gone wrong, you will be covered by your personal professional policy.
Two Main Types of Coverage
Professional liability(malpractice): protects you professionally against any error or negligence made on your behalf. If a client files claims that his or her error caused injury or financial loss, this policy covers you professionally in the unfortunate case this happens. Examples include using a new skin cream that results in a negative skin reaction or a nail treatment that causes infection.
General liability (trip-and-fall scenario): protects any cosmetologist who provides beauty services on his or her property. General liability coverage protects you professionally from potential damages that occur, including a client tripping on a chair in your waiting room or any type of accident that results in bodily injury or medical costs.
Why do I need Cosmetology Insurance?
If you’re thinking to yourself, cosmetology insurance isn’t a necessity for myself and my business—just keep reading. Due to the variety of beauty services and the closeness of the majority of cosmetology services provided, risks will never be fully eliminated. While providing these services, you are working with scissors, dye materials, paint, and hot equipment, which in the event of a malfunction can possibly cause injuries to clients.
Even the most seasoned beauty professional could make a crucial mistake out of his or her control, such as a client negatively reacting to a new product resulting in rash or negative health results. This client, who claims bodily injury and financial loss due to medical bills, can then choose to file a claim against you—putting your professional reputation on the line.
Carrying professional liability insurance can alleviate the stress of these potential risks. Having the appropriate liability insurance is just as important as being able to keep a thriving cosmetology business for any practicing cosmetology professional in the state of Georgia.
Georgia Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 17 years old, you are eligible to obtain a cosmetology license in the state of Georgia.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,500 school hours and 3,000 apprentice hours in 18 months and pass both written and practical exams.
Do I need a license to be a cosmetology instructor?
Yes, a cosmetology license, 750 training hours, and passing the appropriate exams is required.
Does the state of Georgia require me to complete continuing education units (CEUs)?
Yes, 5 CEUs are required every two years for renewal.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew every two years by March 31 of even-numbered years—along with paying a $50 dollar fee.
Moving to Georgia from another state?
No problem, just make sure you are licensed in a state or country that has similar requirements and grants reciprocity to Georgia licensees.