Utah Cosmetology Insurance

Every cosmetologist strives to ensure that their clients are happy with their work, but sometimes this may not always be the case. Accidents can and do happen, and clients could even suffer injury in the process. In this case, if you don’t have a professional cosmetology insurance policy and a client files a claim against you, your business may suffer financially and your reputation could become tainted.

Why should I carry cosmetology insurance?

Wondering why you need a cosmetology liability insurance? First, you need to protect your financial well-being. When it comes to legal claims of injury and damage, they can be expensive. If you don’t have your own professional insurance policy, then the possible claims will have to be paid with your own money. On the other hand, if you have coverage, you won’t have to worry about a potential financial downfall or risk of losing your license. Your policy will protect you financially to ensure the longevity of your career.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects claims made against a client claiming negligence against services you provide. For example, if a client has a negative skin reaction to a cream used during a facial, he or she could choose to file a claim against you.

General liability (or slip-and-fall scenario): protects you from lawsuits stemming from damages that occurred due to a slip-and-fall situation—a client trips on the floor of your business, and it causes bodily injury or medical costs. The client could choose file a lawsuit against you, but you would be covered by your own professional insurance policy.

Utah Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you are at least 17 years old and have good, moral character.

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

You need 1,600 school hours or 2,500 apprentice hours and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license and complete a 1,000-hour instructor training program. Or, 3,000 hours of experience.

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

No, CEUs are not required.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by September 30 of odd-numbered years—along with a $52 dollar fee.

Moving to Utah from another state?

No problem, just make sure you submit verification of your current license, and you must meet educational or experience requirements and exam requirements.