Ohio Cosmetology Insurance

If you are a licensed cosmetology professional practicing in the state of Ohio, you should carry professional liability insurance. Having your own professional cosmetology insurance policy can save both your reputation and your finances, in the case you find yourself in a lawsuit. An employer may offer a partial coverage policy for you, but this policy won’t fully protect you and your license. If you want to make a financially-wise and positive career decision, just keep reading.

Why should I carry cosmetology insurance?

Most likely, there’s not a cosmetologist working in the state of Ohio that doesn’t want his or her clients leaving an appointment feeling their best. Unfortunately, this world is not perfect, and sometimes clients may not be happy with your services. A client could be unhappy with a service provided to them and become emotionally distraught, potentially leading to a lawsuit against you. Or, equipment malfunctions causing injury. This scenario could also lead to a claim filed against you. The common denominator in these scenarios—these accidents were out of your control.

Why leave your career up to risk? Carrying liability insurance is a simple solution to protecting both your career and finances in the unfortunate case a lawsuit occurs.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects you against lawsuits filed due to any negligence or error on behalf of your services. For example, if a client’s skin reacts negatively due to a hot wax used during a waxing treatment, the client could choose to file a claim against you.

General liability (or slip-and-fall scenario): protects you from a lawsuit resulting from accidents causing bodily injury or damage to your client’s property. For example, if you’re doing your client’s hair for a wedding, and you accidentally spill a product on her carpet. You would be covered with your general liability policy.

Ohio Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

Yes, if are at least 16 years old and have completed at least up to a 10th grade education, you are eligible to obtain a cosmetology license in the state of Ohio.

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

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

Do I need a license to be a cosmetology instructor?

Yes, you need a managing cosmetology license plus 1,000 training hours, or one year of salon experience.

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

Yes, 8 board-approved CEUs every two years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by January 31 of every odd-numbered year—along with a $45 dollar fee.

Moving to Ohio from another state?

Ohio does not offer reciprocity. You must take and pass Ohio’s practical, theoretical, and manager exams.