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.
What Does Cosmetology 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
Affordable Prices. Unmatched Coverage.
Instant access to your insurance certificate, hundreds of dollars in exclusive member benefits, and additional coverages at no additional cost.
Two Year
$299
Per 2 Years
Lock-in a rate of $149 per year, by purchasing our two-year policy, with all the same benefits.
One Year
$169
Per Year
Protect your career & Receive the peace of mind that you deserve with the #1 rated liability insurance in the industry.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
Policy Highlights & Benefits
The #1 Choice for Cosmetology Liability Insurance
Our policy was designed specifically for beauty professionals. Insure your career today with the most affordable and comprehensive coverage available.
Minnesota Cosmetology FAQs
If you have a high school diploma or GED, you are eligible to obtain a cosmetology license in the state of Minnesota.
You will have to complete 1,550 school hours and pass the appropriate exams.
Yes, you need a cosmetology license, 1,400 work hours, 38 training hours, and completed three exams.
Yes, cosmetologists are required to complete four CEUs every three years, and instructors are required to complete 45 CEUs every three years.
A person practicing cosmetology must renew his or her license every three years—along with a $81 dollar fee.
No problem, just make sure you have verification of licensure, a high school diploma, and complete the appropriate exams and application for reciprocity.
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.