After you obtain your professional cosmetologist license in the state of Indiana and begin working with clients, you are more vulnerable to making mistakes—either in or out of your control. And, for this reason carrying the appropriate liability insurance is crucial for the growth and maintenance of your reputation and business. Even if your employer does provide some type of insurance, they may only cover you to a certain extent. Purchasing your own personal Indiana cosmetology insurance will offer protection against the unforeseen problems that may occur.
Two Main Types of Cosmetology Insurance
Professional liability(or malpractice): protects you against claims filed by clients claiming to suffer injury or damages due to negligence on behalf of your services. Examples include: chemical burns to the scalp due to a hair color treatment gone wrong or an infection received from a nail treatment.
General liability (orslip-and-fall scenario): protects you against claims made against you for both bodily injury and property damage. Examples include: a client slips on product residue on the floor or a client walks out of your spa stealing a bottle of essential oil.
Why Do I Need Cosmetology Insurance?
It’s impossible to foresee when you may make a mistake in the future or do something a client does not like. By carrying your own liability insurance, you are protecting yourself and your financial state against future claims filed against you. You will never be able to predict when you are going to make a mistake or when an incident occurs that’s out of your control, but you can prepare for these circumstances by choosing to be covered with the appropriate insurance. After working so hard to achieve success in your career, why leave it all to fate? Protect your reputation—and your license.
Indiana Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 18 years old and have at least a 10th grade education or equivalent, you are eligible to obtain a cosmetology license in the state of Indiana.
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?
Yes, both a cosmetology license and 1,000 hours of training are required to be a cosmetology instructor.
Does the state of Indiana 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 every four years by August 1st—plus pay a $40 dollar fee.
Moving to Indiana from another state?
No problem, just make sure you are licensed in a state that requires 1,500 training hours and at least received a 70% passing on written and practical exams.