Texas Cosmetology Insurance
In Texas, 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.
Texas Cosmetology License Requirements
Prerequisites
- At least 16 years old
- High school diploma
Training
- 1200 school hours
- Exams
Instructor License
- Attend a cosmetology school that offers a certification program
Renewal
- Renew by October 31
- Group 1 licenses: odd-numbered years, $40 fee
- Group 2 licenses: even-numbered years, No fee
Reciprocity
- Hold an active license in another state with equal requirements
- Otherwise, must complete additional training hours to qualify for endorsement
CEUs
- 10 board-approved CEUs for renewal
State Board
Florida Division of Professions, Board of Cosmetology
(850) 478-1395
Click for Contact Form
Note: This information has been gathered from external sources and is for informational purposes. Please check with your local regulations to verify your state and local requirements.
How Much Does Texas Cosmetology Insurance Cost?
With a wide range of options available for Texas cosmetologist insurance, you could pay more than you should for your liability insurance. However, thanks to BIP’s commitment to keep our premiums competitive, you can receive high-quality coverage at a fraction of the cost of the other guys. We offer multiple insurance plans to fit your budget and lifestyle. Whether you're just starting in your career or are a seasoned veteran, we have a plan option for you. As a member, you can choose from the following plans.
- Students pay just $49 per year of coverage
- One year of coverage for full-time cosmetologists for just $169
- Two years of coverage for full-time cosmetologists for just $299
Two Year
$299
Per 2 Years
Lock-in a rate of $140 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 Today!
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?
- Skin Care
- Nail Decorations
- Massage
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
With every beauty insurance liability policy, we include coverage to put our members at ease. Instead of making our policyholders pick and choose their coverage, we include everything from day one. Every policy consists of the following coverage:
- General liability to protect against negligence and accidents, like slips and falls.
- Professional liability protection for errors and omissions claims.
- Identity theft protection to keep your data safe.
- Occurrence form coverage.
- Personal injury and advertising injury in the case of slander, libel or copyright infringement.
- Portable coverage in all 50 states.
With one single policy, you receive all this incredible coverage. The best part is you still pay the same low price for your liability coverage.
Policy Highlights & Benefits
The #1 Choice for Cosmetology Liability Insurance
Naturally, there are many choices for beauty insurance in Texas. However, BIP stands out for its incredible customer service, wonderful care, outstanding benefits, and generous coverage lines. Beyond all that, though, Beauty Insurance Plus prides itself on maintaining affordable prices, accessible insurance, and impeccable satisfaction rates.
We'll move Heaven and Earth for our members. The real difference is in how we care for our policyholders. You're not just a file or a claim to us. We genuinely care and want to help our members with any questions, concerns, claims, or issues.
Frequently Asked Questions
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 Texas.
You will have to complete 1,500 school hours and pass both written and practical exams.
Yes, you will need an operator license plus 750 hours of instructor training; or one year of work experience along with 500 hours of instructor training.
Yes, four department-approved CEU hours are required for renewal of your license.
A person practicing cosmetology must renew his or her license every two years by the date of the original licensure—along with a $53 dollar fee.
No problem, just make sure you hold a cosmetology license in a state with substantially equivalent requirements. In some cases, work experience may be credited.
While Texas does not legally require cosmetologists to hold liability insurance, it could be a big mistake to go without it. Not only does cosmetologist liability insurance protect you from the cost of a lawsuit against you, but it could be a requirement for many salons and spas. Of course, mitigating the risk of a liability lawsuit is a critical component to a secure financial future and career in cosmetology. To protect yourself and keep your finances secure, every cosmetologist must have cosmetology insurance.
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.
