Beauty Insurance Plus - Professional Liability Insurance
Maine Cosmetology InsuranceTDG-admin2016-09-19T18:23:27+00:00
Maine Cosmetology Insurance
Cosmetologists in Maine provide a variety of beauty services to help clients look and feel their best. From a cosmetologist just out of beauty school to a seasoned professional who has practiced for years, making a mistake that could risk a reputation or career is most likely never on the radar. But, the unfortunate truth is this risk can never be fully eliminated. With the closeness of the majority of services provided, it is impossible to say that mistakes could never be made, whether in or out of your control.
The good news is there is a solution. Don’t continue to practice in fear of legal battles. By carrying the appropriate beauty insurance, you can save yourself the emotional and financial grief of potential lawsuits.
Two Main Types of Cosmetology Insurance
Professional liability (malpractice): covers claims made due to negligence on behalf of the cosmetologist. This professional liability policy covers you professionally, if the client experiences damages or injury. An example would include using a new type of wax that causes the client’s skin to react negatively resulting in medical costs. Instead of a tainted reputation and the financial-drain of lawyer fees, you would be covered.
General liability (trip-and-fall scenario): covers lawsuits stemming damages that occurred on your business premise or using a product that caused bodily injury or medical costs. General liability insurance protects you professionally from a lawsuit caused by using a product resulting in bodily injury or medical costs. For example, a client could slip and fall on your floor and file a lawsuit against you.
Do you need beauty insurance coverage?
The more coverage you have, the better off you’ll be—the general rule for liability insurance. Keeping this rule in mind can better protect your business from financially-draining lawsuits. Because both your business and your reputation can be damaged by the threat of litigation, carrying liability insurance is essential to the longevity of your career. Don’t let the hard work of building a successful beauty business go to waste in an instant. Choose yourself and your career first and be covered with the right beauty insurance.
Maine Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 17 years old and have completed at least a 10th grade education, you are eligible to obtain a cosmetology license in the state of Maine.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,500 school hours or 2,500 apprentice hours and pass the appropriate exams.
Do I need a license to be a cosmetology instructor?
Yes, you should have a current cosmetology license, work experience, and have completed 1,000 training hours.
Does the state of Maine require me to complete continuing education units (CEUs)?
Yes, instructors are required to complete 14 CEUs per year.
How often do I need to renew my cosmetology license?
A person practicing cosmetology in the state of Maine must renew his or her license every year in October—along with a $50 dollar fee.
Moving to Maine from another state?
No problem, just make sure you hold a valid license in another state with similar requirements. If the requirements do differ, you must pass the appropriate state exams.