Kentucky Cosmetology Insurance
Being aware of the benefits of carrying beauty insurance is important to any professional cosmetologist in the state of Kentucky. Whether you work in a salon or work as an independent contractor, it is crucial to the longevity of your career to choose to be covered. As a professional in this industry, it is your job to ensure each client leaves your services looking and feeling his or her best. Unfortunately, there are certain circumstances that can happen that can be out of your control. In this case, even the reputation of the most seasoned beauty professional can fall.
Although we hope this never happens, it is impossible to say that there is a zero percent risk of an accident happening. Don’t leave the state of a well-earned career to fate. Carrying the appropriate liability insurance can save you from potential financially-draining lawsuits.
What Does Cosmetology Insurance Cover?
- 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
Affordable Prices. Unmatched Coverage.
Instant access to your insurance certificate, hundreds of dollars in exclusive member benefits, and additional coverages at no additional cost.
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.
Policy Highlights & Benefits
The #1 Choice for Cosmetology Liability Insurance
Our policy was designed specifically for beauty professionals. Insure your career today with the most affordable and comprehensive coverage available.
Kentucky Cosmetology FAQs
If you are at least 17 years old and have completed at least a 12th grade education or equivalent, you are eligible to obtain a cosmetology license in the state of Kentucky.
You will have to complete 1,800 school hours and pass an apprentice examination, and both written and practical exams.
Yes, you will need to be a licensed cosmetologist for at least one year, completed 1,000 training hours, and passed the appropriate instructor exams.
No, CEUs are not required in the state of Kentucky.
A person practicing cosmetology must renew his or her license every year between July 1 and July 31—along with a $20 dollar fee.
No problem, just make sure you have a certification of license from the state board that issued the license and are prepared to take the appropriate exams.
Why do you need cosmetology insurance?
Each client in your book is different. Each of them has different skin types and could react differently to cosmetic products. One client’s skin could react negatively to a skincare product and a different client could experience success. A seasoned beauty professional could use a new facial cream on a client, and it could cause a negative skin reaction causing the client medical bills and loss of work. This client could most likely take legal action against the professional for the damages suffered. But, if covered by professional liability insurance, he or she would be protected from these types of claims.
This example is just one of many. Because of the nature of this industry, there will never be zero percent risk of accidents or mistakes. If you’re practicing cosmetology in the state of Kentucky, choose to cover yourself professionally and practice without fear of financial burden.
