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Beauty Insurance Plus - Professional Liability Insurance

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New York Cosmetology Insurance

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In New York, cosmetologists offer a wide range of beauty services, from facials and hair care to manicures and pedicures, all with the aim of helping their clients feel their best. However, these services are not without risk, and even a small accident could have serious consequences, potentially damaging a cosmetologist's career or practice.

To mitigate these risks, it is crucial for every cosmetologist to carry the right liability insurance. By doing so, they can continue to provide their clients with top-quality services without worrying about the financial impact of an unforeseen event. With the right coverage in place, cosmetologists can focus on their craft, confident that they are protected no matter what.

State Requirements

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.

Details

One Year

$169

Per Year

our first year introductory rate! take advantage of everything we have to offer.

Details

Student

$49

First Year

Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.

Details

What Does Cosmetology Insurance Cover?

  • Professional Liability (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.
  • Nail Decorations
  • Hair Styling
  • Skin Care
  • Massage

Acrylic

Airbrush Designs

Charms

False Nails

Foot Scrub

Gel

Gems

Glitter 

Instruction

Manicures

Nail Art

Nail Extensions

Nail Repair

Painting

Paraffin Pedicures

Polish 

Stencil Designs

Varnish

Youth

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

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

Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics

Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu

Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique
Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing

Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Policy Highlights & Benefits

  • Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
  • Advertising & Personal Injury: $2 million per occurrence
  • Identity Theft Protection: $25,000
  • Instant coverage and certificate of insurance
  • Occurrence form coverage, the industry's preferred choice
  • Exceptional customer service with live, U.S. based insurance agents available 8:30-8:30 EST Monday through Friday, plus weekend hours
  • All-inclusive, mobile coverage for more than 450+ beauty and wellness services
  • Free professional website, access to Sam Villa Artist Studio, and more industry-leading exclusive member benefits
  • Access to Beauty Insurance Plus's Insurance Marketplace with options for group rates on health, vision, and dental plans.

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

Do I have prerequisites to complete?

If you are at least 17 years old and have a high school diploma or equivalent, you are eligible to obtain 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 New York require me to complete 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 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.

New York State Requirements for Cosmetologists

New York cosmetologists have a wealth of opportunity at their well-manicured fingertips. Whether you work in a salon or operate a mobile beauty business, there are plenty of ways to market yourself in New York State. 

New York holds its cosmetologists to high standards for licensing, requiring extensive education, experience hours, certification, and examination. However, upon meeting the state requirements, beauty professionals can practice their craft and help their clients achieve their beauty and wellness goals. 

Before applying for a cosmetology license in New York, applicants must meet the requirements set out by the New York state government. Cosmetologist license applicants can use the online system provided by the state. 

Basic New York State cosmetology requirements are relatively straightforward, though they come with a hefty application process. Firstly, applicants must be at least seventeen years old and have a NY.gov ID profile. Applicants can register for their government website ID before creating an online profile. 

Other qualifications involve approved educational hours, experience, and examinations. As cosmetologists work directly with the public and in close physical proximity, New York wants to ensure they are well-practiced before receiving their license.

Education and Examinations

To receive a New York cosmetology license, applicants must complete 1,000 hours of approved course study. To qualify for the license requirements, these long study hours must be taken under a New York State-approved school. In other words, you can't simply read 1,000 hours worth of cosmetology educational materials. You must attend a licensed educator with the state of New York. 

Upon completing the required hours, your school director must complete the affirmation on a portion of your license application. Additionally, an applicant must pass both the written and practical exams to be eligible for a license. As of June 2020, applicants must also complete a 1-hour course on domestic violence to qualify for a practicing cosmetology license. 

Once the educational requirements have been met, applicants may register for the written and practical examinations. A physician, physician's assistant, or nurse practitioner must oversee the practical examination and complete the date on the health certification section of the application. 

Once your application is received and approved, the licensing agency will contact you with information on the exam process and how to register. 

Out-of-State Education

If you've moved from another state, your education hours from out of state may be applicable. If you can prove to the State Department with documentation of equivalent schooling, they may waive the New York state requirements for education within New York. 

Naturally, the state requires the following factors before considering applying your out-of-state education to your license requirements:

  1. You must provide a school certificate stating you meet the educational equivalent requirements.

  2. You must provide school transcripts indicating the courses and educational hours.

  3. A current or original certification/license from your state board. 

  4. You must provide documentation verifying your education hours if you are unlicensed in your previous state.

The good news is, just because you moved to New York doesn't necessarily mean you must start all over again with your education and process. Although you may have to do some logistical acrobatics, transplanting from another state to New York can be easy for an experienced cosmetologist.

Cosmetology Experience Outside of New York

New York also considers cosmetologists with five years of legal experience outside the state eligible for a New York state license. Qualifying cosmetologists must simply submit satisfactory documentation and evidence of their education experience. 

Because New York State considers your outside experience a qualifying factor for a New York cosmetology license, experienced beauty professionals can easily transition to practice in New York. For those professionals who have been in the game a while, this ease of access and streamlined licensing application process for New York means you can start working practically right away.

Expired or Previous New York Cosmetology License

Cosmetology liability insurance can be the layer of protection many beauty professionals need in their careers. Despite best efforts at safety and care measures, a risky situation is always a possibility for a cosmetologist. 

Liability insurance for a beauty professional provides a safety net when something goes wrong, and a client files a lawsuit against you. These days, protecting yourself from a risky situation is more critical than ever. Although New York does not require cosmetologists to hold liability insurance policies, many salons do. 

Even if your salon or spa offers some level of liability Insurance for their employees, holding an individual policy can be a smart choice. Whether you've been in the beauty profession for years or are just stepping out on your aesthetic journey, protecting yourself from liability can be a wise career move. The last thing you want is to be caught without protection when something goes wrong. 

Get New York cosmetology liability insurance today and know that Beauty Insurance Plus has you covered. 

Coverage You Can Count On

Regarding liability insurance, every provider promises to save you money. Where you find the actual worth of an insurance provider is when you need to file a claim. Some companies promise a lot and disappear when you require the most. At BIP, we treat our members differently and strive for total confidence in their coverage.

At BIP, we ally ourselves with you during difficult times. Let's face it: a liability claim is no small feat and can tax your well-being. We provide the coverage you can rely on to carry you through those difficult times during a liability claim. Our knowledgeable staff helps guide you through the ins and outs of filing a liability claim in New York. 

With comprehensive coverage and outstanding customer guidance, we equip our members with everything they need to thrive throughout a claims process. When you register for cosmetology insurance, you get more than liability coverage - you get our full support and unwavering care.

Advertising Liability Coverage

As part of our comprehensive New York liability coverage, we include advertising liability protection. Advertising liability is an essential coverage for cosmetologists, especially in the era of electronic communication. This coverage helps protect cosmetologists from non-physical damages due to false advertising, misleading endorsements, or product disparagement. 

Advertising liability claims typically involve marketing allegations that could cause harm or mislead customers. While this may not be the first thing that comes to mind when you think of your work as a beauty professional, it's an essential aspect of a well-rounded insurance policy. 

Here's an example of an advertising liability claim:

Let's say Kathy manages the blog for the salon where she works. In one of her posts, Kathy claims a competitor's product will make your hair fall out. Since there is no evidence to support this claim, Kathy could be held responsible for any loss of income due to the misinformation in the blog post. 

Of course, this is an extreme example, but it helps illustrate the importance of advertising honesty and the need for liability coverage for cosmetologists. 

Easy Policy Renewal

The life of a professional beauty worker can get hectic at times. Whether you're seeing new clients or tending to your business promotion, it doesn't take long to book up your schedule ultimately. With life so busy in New York, we've made renewing your policy in less than 5 minutes. 

Our online renewal process can be done anywhere you have an internet connection. We already have your previous information on file, so renewing your policy is just a click or two away. When it's time to add another year of coverage, simply update any new information and submit your renewal application. That's it. 

We like to keep things simple, and renewing your policy shouldn't be a hassle or inconvenience. It's easy to complete the entire process between clients or on a break. 

Here When You Need Us
While we strive for convenience and accessibility through our online services, sometimes you just need to talk to someone. If you need to contact our staff, we are ready and available when you need us. For those times when you have questions or need help filing a claim, feel free to give us a call at 800-941-3583. Our team is at your disposal to help guide you through any question or process as quickly as possible. 
Beauty Insurance Plus

8430 Enterprise Circle, Suite 200
Lakewood Ranch, FL 34202
info@beautyinsuranceplus.com
(800) 941-3583

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202. All Rights Reserved.

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