Texas Cosmetology Insurance

Cosmetologists working in Texas provide a variety of beauty services, including facial treatments, hair care and styling, manicures, pedicures, and more, to help each of their clients feel more beautiful and healthy.

Every cosmetologists goal is to ensure their improving the lives of their clients—making them feel more empowered about themselves after each appointment. Although providing these cosmetic services does not come without risk, if an accident were to occur, it could potentially ruin a career or practice.

Fortunately, managing these risks is simple. It is important for every cosmetologist to carry the proper liability insurance in order to continue providing important beauty services without stress.

What does cosmetology insurance cover?

Professional liability (or malpractice): protects you against any grievances or claims from clients suffering from injury or damages due to negligence on behalf of the cosmetologist.

Product liability: protects you against claims of bodily injury or property damage that might arise from the products you use or sell.

General liability (or slip-and-fall scenario): protects you from third-party claims for bodily injury and property damage. For example, a client trips and falls and is injured as a result of your negligence while receiving beauty treatments at your business.

Texas Cosmetology FAQs

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 Florida.

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

You will have to complete 1,500 school hours and pass both written and practical exams.

Do I need a license to be a cosmetology instructor?

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.

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

Yes, four department-approved CEU hours are required for renewal of your license.

How often do I need to renew my cosmetology 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.

Moving to Texas from another state?

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.

Why practice uninsured?

Because providing these beauty services involves coming into close contact with clients, the risk of an accident happening increases. You may be thinking the risk is low, but situations can and do happen, and it is important for you to be ready to protect both yourself and your career.

For example, if you are coloring a client’s hair, and the treatment stays on too long; damage to the hair or burns to the scalp may occur. If your client chooses to sue for the damages or emotional distress, then you would have to pay for the entire lawsuit. But if you have the appropriate liability insurance, both your finances and your reputation would not have to suffer.

Why take your chances? Choose to protect your career and your business.