Massachusetts Cosmetology InsuranceTDG-admin
Massachusetts Cosmetology Insurance
Once you’ve received your cosmetology license in the state of Massachusetts, you will begin to provide services to many different people. Each client will be different, and you will have to learn how to cater to each. Although you might have partial coverage through your employer, buying a personal Massachusetts cosmetology insurance policy is a smart decision, both financially and for the longevity of your career.
Due to the closeness of the majority of services provided in the beauty industry, even the most seasoned professional could make a mistake resulting in a lawsuit. Whether in or out of the cosmetologist’s control, a lawsuit can ruin your reputation and your bank account. Fortunately, you won’t have to practice in fear of a potential claim being filed against you. There is a solution.
Carrying the appropriate liability insurance for your career is in your best interest to fully protect you in the event of a lawsuit.
Two Main Types of Cosmetology Insurance
Professional liability (malpractice): protects any claim filed against you due to negligence on behalf of your services. For example, if you use wax that is too hot during a waxing treatment, and it burns the client’s skin; he or she could choose to file a claim against you.
General liability (or slip-and-fall scenario): protects you in the case of a lawsuit stemming from customers experiencing injury in the environment of which you provide your services. For example, a client happens to slip on water from a pedicure spa chair, he or she could file a claim against you for injury.
Why do you need cosmetology insurance?
If you’re thinking to yourself that you don’t need to carry insurance, just keep reading. Even if your employer offers you partial coverage, it would not be enough to cover you if a lawsuit were to be filed against you. Due to the closeness of most cosmetic services, there will never be 0% risk of an accident happening. A client could slip on product residue on the floor or respond negatively to cosmetic products. A facial cream could cause a negative skin reaction or a hair treatment could cause burning of the scalp.
In these cases, your client could choose to file a lawsuit against you. At this point in your career, you have worked tremendously hard to attain your credible reputation and career as a beauty professional. Why not protect something you’ve worked so hard to achieve?
Fortunately, beauty insurance offers a solution. Carrying the appropriate liability insurance policy is not only smart practice, but it also instills extra confidence in your clients, too. So, instead of running the risk of a lawsuit, which could put you permanently out of practice in your hard-earned career, choose to protect yourself with the right beauty insurance coverage.
Massachusetts Cosmetology FAQs
Am I eligible to obtain a cosmetology license?
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 Massachusetts.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,000 school hours and pass the appropriate exams.
Do I need a license to be a cosmetology instructor?
Yes, you need both a license and have 2 years of experience as a junior instructor to be a cosmetology instructor in the state of Massachusetts.
Does the state of Massachusetts require me to complete continuing education units (CEUs)?
No, CEUs are not required to renew your license.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew his or her license every two years by the licensee’s birthday—along with a $68 dollar fee.
Moving to Massachusetts from another state?
No problem, just make sure you pass the state’s written and practical board exams.