Massachusetts Esthetician Insurance
Get comprehensive liability insurance for estheticians in Massachusetts. Beauty Insurance Plus covers 500+ beauty and wellness services, offering A-rated protection in less than 5 minutes!
For you to get your license in the state, one is only required to do a minimum of 300 hours of schooling. If you are in the tenth grade, you will be able to sit in for the exam, as this is the minimum educational requirement in the state. You also have to be at a minimum of 17 years old in order for you to sit for the exam.
You are required to renew your license every two years, and it has to be done by the date of your birthday in order to avoid the license from lapsing when you go to get it renewed. You will also be able to work if you are currently licensed out of state, as reciprocity rules are in place. You will have to show that you have, at a minimum, completed the same number of hours in your state, have been licensed, and are in good standing where you currently practice in order for the reciprocity rules to apply to you when you come from out of state to work in Massachusetts.
Massachusetts Esthetician License Requirements
Prerequisites
- At least 17 years old; 10th grade education
Training
- 300 hours; Practical and Written exams
Instructor License
- 2 years of experience; Minimum of 2 years experience as a junior assistant instructor; Must file an application with the Board accompanied by required fees; Achieve a passing score on a practical and written examination satisfactory to the Board
Renewal
- Renew license 1 year after taking exam; Then, renew every 2 years by the licensee’s birthday; $68 fee
Reciprocity
- No reciprocity accepted from other states; Take the MA’s written and practical board exams ($120); $135 for transfer application; $68 for the license
CEUs
- Not Required
State Board
Massachusetts Board of Registration of Cosmetologists and Barbering
(617) 727-9940
cosmetologyandbarberingboard@state.ma.us
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 Massachusetts Esthetician Insurance Cost?
In terms of Massachusetts 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
If you are a business owner, you are not required to buy a professional liability coverage policy, but it is a good idea. It is the best way to shield from personal injury claims, including a slip and fall, or a faulty piece of equipment, causing some type of damage or injury to a client when s/he is in the shop.
And, with such protection, it is also going to extend to the estheticians that work for you, even if they do not have their own personal policy in place to be able to cover you from such claims if they are filed by a client.
As the individual, professional esthetician, you should consider a personal Massachusetts esthetician insurance policy. It is not only going to keep you safe in the event of a lawsuit, it is also an easy way for you to protect your license if you are sued for malpractice and are found to be at fault for it.
You are not only going to cover yourself, and the claims that are filed against you in the field, you are also going to avoid a high out of pocket expenses when it comes to litigation or to the different claims you are dealing with in your career
Frequently Asked Questions
If you are at least 17 years old and have a high school diploma or equivalent, you are eligible to obtain an esthetician license in the state of Massachusetts.
You will have to complete 300 school hours and pass both theory and practical exams.
No, this is not required.
Every year on the licensee’s birthday; $68 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 Massachusetts 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.
