Minnesota Cosmetology Insurance

When you think cosmetology, do yo think of hair styling? Nail techs? Make-up artists? All of these professions fall under the umbrella of cosmetology.

Once you obtain your cosmetology license in the state of Minnesota and begin practicing, it is critical to carry the appropriate liability insurance to protect your career and professional reputation. Cosmetology liability insurance covers you in case of a lawsuit and can also cover you financially by paying legal defenses in the event that a claim against you is made.

You may be thinking that you don’t need insurance—maybe you have partial coverage under your employer. But, this is not enough to protect a reputation and business you have worked thousands of hours to achieve. Due to the closeness of most cosmetic services, there will never be zero percent risk. Fortunately, beauty insurance covers these risks, so you can practice stress-free.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects any claims involving negligence or error on behalf of the services you provide. It covers you professionally if a client files claims that his or her error caused injury or financial loss. For example, if a hair dye causes a negative skin reaction on a client’s scalp resulting in injury or financial loss on behalf of the client, he or she can choose to file a claim against you.

General liability (trip-and-fall scenario): protects any cosmetologist who allows clients into his or her property. General liability insurance covers you professionally from lawsuits stemming from damages that occurred on your business premise. For example, if a client slips on hair that hasn’t been swept on the floor suffering an injury, he or she could choose to file a claim against you.

Why should I carry cosmetology insurance?

Mistakes can happen that are either in or out of your control.  There are many different scenarios that could lead to a claim filed against you—equipment malfunctioning, products that cause clients to have negative skin reactions, or instruments not sanitized properly that cause infection. These scenarios and more can be financially hindering to your business and cause a decrease in your credibility as a beauty professional.

Because of the vastness of the industry and the closeness of the majority of the services provided, there will never be zero percent risk of accidents happening. Even an experienced beauty professional can make a mistake or fall into a circumstance out of his or her control. Either way, it is best to be prepared with the appropriate beauty liability insurance to not let your financial well-being or license be at stake.

Minnesota Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you have a high school diploma or GED, you are eligible to obtain a cosmetology license in the state of Minnesota.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,550 school hours and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license, 1,400 work hours, 38 training hours, and completed three exams.

Does the state of Minnesota require me to complete continuing education units (CEUs)?

Yes, cosmetologists are required to complete four CEUs every three years, and instructors are required to complete 45 CEUs every three years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every three years—along with a $81 dollar fee.

Moving to Minnesota from another state?

No problem, just make sure you have verification of licensure, a high school diploma, and complete the appropriate exams and application for reciprocity.