New York Cosmetology InsuranceTDG-admin
New York Cosmetology Insurance
As a beauty professional in New York, it is your job to ensure your clients leave each appointment looking and feeling their best. Unfortunately in the field of cosmetology, a chance of an accident happening can never fully be eliminated.
Although this is unlikely, there is one service that could save both yourself and your business in the unfortunate case of an accident happening—liability insurance.
Two Main Types of Cosmetology Insurance
Professional liability insurance (or malpractice) includes any grievances or claims filed by clients claiming to suffer injury or damages due to negligence on behalf of the cosmetologist. Examples include: chemical burns to the scalp due to a hair color treatment gone wrong or an infection received from a nail treatment.
General liability (or slip-and-fall scenario) protects you against third-party claims for both bodily injury and property damage. Examples include: someone gets hurt by tripping over a salon chair or a client steals a product.
New York Cosmetology FAQs
Do I have prerequisites to complete?
If you are at least 17 years old, you are eligible to obtaining a cosmetology license in the state of New York.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,000 school hours and pass both written and practical exams.
Do I need a license to be a cosmetology instructor?
Yes, you must have a current cosmetology license, two years of experience, and pass the Secondary Assessment of Teaching Skills Written (ATSW) exam.
Does the state of California require me to complete continuing education units (CEUs)?
CEUs are not required in New York.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew his or her license every four years—along with a $40 dollar fee.
Moving to New York from another state?
No problem, just make sure you hold a cosmetology license from a state of New York’s reciprocity list. In some instances, you must have one or more years of licensure in order to qualify.
Why Do I Need Cosmetology Insurance?
The general rule for liability insurance coverage is the more coverage you have, the better off you will be in protecting yourself and your business from financially draining lawsuits, while also adding to the total premium paid. Although most cosmetology professionals are conscious of safe working practices, there is always a chance of an accident occurring on the job. Whether you are a hairstylist, barber, beautician, or nail technician, there are many reasons to carry liability insurance and not one reason not to.
The unfortunate reality of this business is that even a professional, who has been working in the cosmetology industry for years, can make a mistake. Don’t let an accident ruin your name and business reputation. Although insurance is not required in the state of New York, it is a necessity for every cosmetologist in order to protect yourself and your business.
Because your business can be negatively affected by the threat of litigation, liability insurance coverage is essential to the overall success of your business, whether you work with hair, skin, or nails. What does your career mean to you? Choose to protect your career against all potential lawsuits.