Mississippi Cosmetology Insurance

After you obtain your cosmetology license in the state of Mississippi and begin work, it becomes your primary goal to have each client leave your services looking and feeling his or her best. But with the industry being so broad and the closeness of the majority of services provided, it is impossible to assume there will be no risk of accidents happening.

Accidents that happen, whether in or out of your control, can ruin both your credibility and the financial state of your business. Fortunately, we can provide a solution. Choosing to carry the appropriate liability insurance save you grief and protect a license you worked so hard to attain.

Two Main Types of Cosmetology Insurance

Professional liability (or malpractice): covers claims filed against you from clients who have suffered injury or damages due to negligence on your behalf. For example, during a hair coloring treatment, the dye causes the client to have a negative skin reaction. The client could then choose to file a lawsuit against you.

General liability (or slip-and-fall scenario): covers you from lawsuits resulting from customers experiencing injury in the environment in which you run your business. For example, a client could slip on water that may have leaked from a pedicure chair, suffer an injury, and choose to file a claim against you.

Why do I need to carry cosmetology insurance?

You may be thinking you’ve been taught in school to practice safe technique or that you are a seasoned professional and nothing has ever happened to you previously. However in this industry, it’s impossible to predict what may or may not happen. You can’t predict when a client may trip and fall in your studio and file a claim against you. Due to the variety of services the cosmetology industry provides, even the most careful beauty professional can make a mistake. Lucky for you, there is a simple solution.

Carrying the appropriate cosmetology insurance can save you practicing in stress and suffering financial damage to your business. Cosmetology insurance can protect both your business and a license you worked hard to achieve.

Mississippi Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you are at least 17 years old, able to read, write and speak, and have completed at least a high school education or equivalent, you are eligible to obtain a cosmetology license in the state of Mississippi.

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

You will have to complete 1,500 school hours (9 months) and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license, 12 board-approved college hours, 750 instructor training hours, along with two or more years of experience or 2,000 training hours with two years of experience.

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

Yes, instructors are required to complete 24 CEUs every two years, and master cosmetologists are required to complete 16 CEUs every two years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years—along with a $50 dollar fee.

Moving to Mississippi from another state?

No problem, just make sure you submit an application and an affidavit/certification of training that meets Mississippi’s reciprocity requirements and appear for an application eligibility review.