New Jersey Cosmetology Insurance

If you’re practicing cosmetology in the state of New Jersey, it is crucial to the longevity of your license to carry your own professional liability insurance. Often times, if you don’t work independently, your employer will offer partial coverage. But in the case of a lawsuit, this coverage may not fully protect you from losing your license or paying your legal fees.

Fortunately, we’ve made choosing the appropriate cosmetology liability insurance easy for you.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects a cosmetologist from lawsuits stemming from an error made on behalf of the services provided. For example, a hot wax causes tearing of the skin, resulting in injury for the client. The client could choose to file a claim against you, but you would be covered.

General liability (or slip-and-fall scenario): protects lawsuits stemming from damages that occurred on the property in which you run your business, as well as a certain amount of stolen equipment coverage. For example, a client sneaks out the door with a pair of your favorite shears. These expensive shears would be covered under a professional cosmetology insurance policy.

New Jersey Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you are at least 17 years old and have earned a high school diploma or equivalent, you are eligible to obtain a cosmetology license in the state of New Jersey.

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

You will have to complete 1,200 school hours and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license plus six months of employment, 500 school hours, and a 30-hour teaching methods course.

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

No, CEUs are not required.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by September 30 of every even-numbered year—along with a $60 dollar fee.

Moving to New Jersey from another state?

No problem, just make sure you hold a current license in another state with satisfactory requirements. Or, you must submit an “out-of-state” application, required documentation, and then pass the appropriate exams.