In the state of Louisiana, whether you are a beauty professional fresh out of cosmetology school or a seasoned professional who has practiced for years, injuring a client is never on your radar. But with the closeness of the majority of beauty services, there will never be a zero percent risk potential accidents. If you do injure a client, your hand slips cutting hair or you have a client break out from a chemical treatment, he or she can choose to file a claim against you. If you are found guilty, hefty financial costs can result. However, there is a bright side. If you carry the appropriate liability insurance, your policy will most likely take care of these issues and protect both your reputation and your finances.
Because predicting a potential lawsuit is far out of reach, protecting yourself and your business with the right insurance plan is crucial to the longevity of your career. The stress of financially-draining lawsuits can diminish, and you can go back to providing beauty services stress-free.
Two Main Types of Cosmetology Insurance
Professional liability (or malpractice) covers any claims filed by clients claiming an injury caused by negligence on behalf of the cosmetologist. Examples include: a hair stylist’s hand slipping while cutting a client’s hair and accidentally snipping her ear or a nail tech using an a tool that has not been sanitized properly causing the client to get an infection.
General liability(or slip-and-fall scenario) protects against third-party claims for bodily injury and/or property damage. Examples include: Using a facial cream that breaks out your client’s skin, or accidentally damaging your client’s property due to an equipment malfunction.
Why do I need cosmetology insurance?
Working in the field of cosmetology, you are likely aware of the fact that you are working with chemicals, dangerous equipment, and other equipment that can potentially injure your clients. For this reason, having a cosmetology insurance policy in place, for personal protection, is in your best interest.
If a curling iron causes burns to a client, if the hair dryer malfunctions, or if dyes cause their hair to burn or even fall off, you are in trouble without insurance. But, with the right policy in place, you are going to shield yourself of liability for these issues that do occur, issues over which you may not have any control.
Louisiana Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 16 years old and have completed at least a 10th grade education, you are eligible to obtain a cosmetology license in the state of Louisiana.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,500 school hours and pass the appropriate state board exams.
Do I need a license to be a cosmetology instructor?
Yes, you need to be a licensed cosmetologist and have 500 training hours completed.
Does the state of Louisiana require me to complete continuing education units (CEUs)?
No, CEUs are not required in the state of Louisiana.
How often do I need to renew my cosmetology license?
A person practicing cosmetology in the state of Louisiana must renew his or her license every year by the licensee’s birthday—along with a $25 dollar fee.
Moving to Louisiana from another state?
No problem, if an applicant is from WI, VT, TX, TN, NY, MN, MI, MA, MD, KS, HI, FL, CT or CO he or she must take the NIC, state theory, and practical exams.