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.
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
our first year introductory rate! take advantage of everything we have to offer.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
What Does Cosmetology Insurance Cover?
- Hair Styling
- Nail Decorations
- Massage
Nonmedical Care of Skin
Acne Treatments
Body Scrub
Chemical Peel (no lasers)
Cold Light Series 6 Pacials
Color Consultations
Cosmetic Massage
Dermaplanning
Eyebrow Shaping
Eyebrow Tinting
Eyelash Extensions
Facials
Hair Removal (no lasers)
Herbal Wraps
Instruction
Make-up (not permanent)
Manicures
Micro-Current Toning
Micro Needling
Microdermabrasion
Pedicures
Salt Scrub
Skin Peels
Ultra Sonic Facials
Ultra Sound Facials
Vitamin C Peels
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.
Frequently Asked Questions
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.
You will have to complete 1,200 school hours and pass the appropriate exams.
Yes, you need a cosmetology license plus six months of employment, 500 school hours, and a 30-hour teaching methods course.
No, CEUs are not required.
A person practicing cosmetology must renew his or her license by September 30 of every even-numbered year—along with a $60 dollar fee.
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.
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.
