Maryland Esthetician Insurance
Get comprehensive liability insurance for estheticians in Maryland. Beauty Insurance Plus covers 500+ beauty and wellness services, offering A-rated protection in less than 5 minutes!
When considering a career as an esthetician in Maryland, it is important to know what the minimal requirements are, and how long it will take before you can actually practice in the field. First off, you must complete 600 hours of schooling prior to being able to sit in for the exam. In addition to this, at least 12 months working as a registered apprentice is required in order for you to get additional on the job training.
An education of 9th grade or equivalent is required, and applicants who want to go to school must be at least 17 years of age to attend. Passing the state exam is required prior to receiving your license.
Renewal of your license must be done every two years, which requires you to fill out paperwork and to pay the appropriate fees for the license renewal. In terms of reciprocity, only estheticians who have worked in a state where the requirements are equivalent to those in Maryland will be considered for a license, without having to complete additional schooling.
Maryland Esthetician License Requirements
Prerequisites
- At least 17 years old; 9th grade education or GED
Training
- 600 school hours / 12-month apprenticeship; Practical and Theory exams
Instructor License
- Every 2 years on license expiration date; $25 fee
Renewal
- Must provide certification that license was obtained under the same standards,; Must be in good standing; License must be current; Must be eligible for licensure by endorsement
Reciprocity
- None
CEUs
- Not Required
State Board
Maryland Division of Occupational and Professional Licensing
(410) 230-6320
barber.cos@maryland.gov
Note: This information has been gathered from external sources and is for informational purposes. Please check with your local regulations to verify your state and local requirements.
How Much Does Maryland Esthetician Insurance Cost?
In terms of Maryland esthetician insurance policies, a business owner in the state (owning a salon or spa), must have professional liability insurance. This is going to cover against injuries in the workplace, injuries which are caused by malfunctioning equipment or a slip and fall accident.
However, there are no additional requirements in terms of having an individual esthetician liability insurance policy. But, working in this field, it is smart practice to hold a personal liability insurance policy. For starters, your employer’s policy is only going to cover so much, if anything at all, for you personally; if you injure a client with a heating device or certain chemicals, this is a personal liability claim, and you are not going to be covered. This can result in loss of license, fines, and penalties, as well as other costs. Additionally, even if your employer has a liability policy in place, it might only cover the owners, not individual employees; so, having a personal liability coverage policy is a simple way to protect yourself from lawsuits.
- Students pay just $49 per year of coverage
- One year of coverage for full-time estheticians for just $169
- Two years of coverage for full-time estheticians for just $299
It’s possible that a client may file a false claim, and if you are not covered, you are paying out of pocket for these lawsuits, whether or not you are found to be at fault. Your liability coverage is also going to protect your license, which is your livelihood in the state. No matter how great you are, or how long you have worked in the field, mistakes are going to occur, so it is best to protect yourself, and purchase the right personal liability insurance coverage. Even though it is not required, you will find that having coverage is an easy way to avoid high costs, including those that may come your way due to the lawsuits that may be filed against you during your career. In addition to offering great coverage, you can find an extremely affordable personal liability policy by simply comparing quotes online and comparing the different types of esthetician coverage that is available to you in the state.
Two Year
$299
Per 2 Years
Lock-in a rate of $140 per year, by purchasing our two-year policy, with all the same benefits.
One Year
$169
Per Year
Our first year introductory rate. take advantage of everything we have to offer Today!
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
What Does Esthetician 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
With every beauty insurance liability policy, we include coverage to put our members at ease. Instead of making our policyholders pick and choose their coverage, we include everything from day one. Every policy consists of the following coverage:
- General liability to protect against negligence and accidents, like slips and falls.
- Professional liability protection for errors and omissions claims.
- Identity theft protection to keep your data safe.
- Occurrence form coverage.
- Personal injury and advertising injury in the case of slander, libel or copyright infringement.
- Portable coverage in all 50 states.
With one single policy, you receive all this incredible coverage. The best part is you still pay the same low price for your liability coverage.
Policy Highlights & Benefits
The #1 Choice for Esthetician Liability Insurance
Business liability insurance is required in the state, as well. Premises coverage, coverage against injuries on the work site, or faulty equipment, will all be covered under this business policy. Additionally, business owners can cover their estheticians to a certain extent with their business policy. For those who want full coverage, a personal Maryland esthetician insurance policy is something that you should consider purchasing. It is going to cover claims which are filed against you personally, and not against the salon or the employer that you work for. If you are sued for malpractice, if you make a mistake and a client is not happy, or if you personally injure a client you are working with, your personal liability coverage will protect you in these cases.
In addition to covering these things, your personal liability coverage is also going to protect your license, so you do not have to worry about losing it in the event you are sued, and the client wins. You are fully protected, and you can find varying levels of coverage, based on the price you can afford on an annual basis. This policy is affordable as it is an annual rate, as opposed to a monthly payment made, and it is the only way that you can protect your license, and protect your career, if claims are filed against you by a client.
Frequently Asked Questions
At least 17 years old; 9th grade education or GED
600 school hours / 12-month apprenticeship; Practical and Theory exams
No, this is not required.
Every year on the licensee’s birthday; $30 fee
No problem, just make sure you hold an esthetician license in a state with substantially equivalent requirements. In some cases, work experience may be credited.
While Maryland does not legally require estheticians to hold liability insurance, it could be a big mistake to go without it. Not only does esthetician liability insurance protect you from the cost of a lawsuit against you, but it could be a requirement for many salons and spas. Of course, mitigating the risk of a liability lawsuit is a critical component to a secure financial future and career in this industry. To protect yourself and keep your finances secure, every esthetician must have cosmetology insurance.
Why Is It Important to Have Insurance For Your Career?
Providing beauty services often requires close contact with clients, which can increase the risk of accidents occurring. While it's easy to think that the chances of something going wrong are low, the truth is that accidents do happen, and it's essential to be prepared to protect both yourself and your career.
For instance, if you're applying hair color to a client, and the treatment is left on for too long, it could result in damage to the hair or burns to the scalp. In such a scenario, the client may decide to sue you for damages or emotional distress, leaving you to bear the entire cost of the lawsuit. However, if you have the right liability insurance, your finances and reputation will remain protected.
Rather than taking chances with your livelihood, it's crucial to prioritize protecting your career and business by having the appropriate insurance coverage in place. With insurance, you can work confidently, knowing that you're prepared for any unexpected incidents that may arise while providing your valued services to clients.
