If you work in Maryland as a cosmetologist, it’s imperative that you have cosmetology insurance to protect your license and career. Cosmetologists have an important role in society to help each client look and feel his or best. However, while that is the main goal, there is always risk of causing injury or harm to a client, whether it’s preventable or not. In cases like these, it is ideal that you have insurance to cover you.
Two Main Types of Cosmetology Insurance
Professional liability (or malpractice) covers grievances or claims filed against you by clients who suffer injury or damages due to negligence on behalf of the cosmetologist. Examples include: burns to the scalp due to a hot hair tool or an infection received from a tool that has not been properly sanitized.
General liability (orslip-and-fall scenario) protects you against third-party claims for both bodily injury and property damage. This type of insurance is important for cosmetologists who provide services on his or her property. Examples include: someone gets hurt by tripping over a salon chair or a client steals a pair of shears while getting his or her hair done.
Why carry cosmetology insurance?
While it is true that a cosmetologists services are of high demand, there are unforeseen risks that can occur due to the closeness of the majority of services provided. But, the good news is you do not have to practice in constant stress of a potential lawsuit. Carrying the appropriate insurance policy suited for professionals is key to protecting both your livelihood and the longevity of your career. Having the appropriate liability insurance coverage is just as important as being able to keep a thriving beauty business for any practicing cosmetology professional in the state of Maryland.
The general rule for liability insurance coverage is the more coverage you have, the better off you will be in protecting yourself and your business from future lawsuits. Although most cosmetology professionals are conscious of safe working practices, the risk of an accident occurring on the job can never be fully eliminated. This is why obtaining liability insurance in Maryland is a financially-wise decision.
Maryland Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 17 years old and have completed at least a ninth grade education, you are eligible to obtain a cosmetology license in the state of Maryland.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,500 school hours or complete a 24-month apprenticeship and pass the appropriate exams.
What do I need to be a cosmetology instructor?
You will need to have completed two years of experience and pass both the senior cosmetologist and cosmetologist exams.
Does the state of Maryland require me to complete continuing education units (CEUs)?
No, CEUs are not required in the state of Maryland.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew his or her license every two years—along with a $25 dollar fee.
Moving to Maryland from another state?
No problem, just make sure you hold a valid license in a state with similar requirements. And, you must provide certification that license is current and in good standing.