West Virginia Cosmetology Insurance
If you are in the cosmetology, esthetics, or nail technology industry in West Virginia, then you should consider purchasing cosmetologist insurance. As it is with any other profession that involves giving “hands-on” therapies, being a cosmetologist is inherently risky.
You may tend to think that your cosmetology practice is low risk and compared to some other professions, it is. But, while your risks don’t seem that great, situations can arise that are outside of your control and you need to adequately protect yourself and your career against these possibilities.
Sometimes self-employed cosmetologists think twice about paying for insurance but in the event if a lawsuit, the cost of insurance premiums would probably be a small fraction of the amount you may have to pay for legal defenses and any monetary judgment that is entered against you. Whether you’re a student, an independent contractor or an employee of a beauty shop, West Virginia cosmetology insurance is essential.
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
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.
One Year
$169
Per Year
Protect your career & Receive the peace of mind that you deserve with the #1 rated liability insurance in the industry.
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
Policy Highlights & Benefits
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.
West Virginia Cosmetology FAQs
If you are at least 18 years of age, have completed a high school education, and be of good moral character you are eligible to obtain a cosmetology license in the state of West Virginia.
Individuals must complete at least 1800 hours of training. Those who want to become estheticians and nail technicians must complete 600 hours and 400 hours of training, respectively.
A cosmetology instructor license + 5 years of recent salon experience + an interview + exam.
4 CEUs per year are required in West Virginia.
A person practicing cosmetology must renew his or her license annually—along with a $35 fee.
The West Virginia Board of Cosmetology allows licensed cosmetologists from other states to transfer to West Virginia as long as the following conditions are met: If licensed in a NIC state, must pass state law exam otherwise, if licensed in a non-NIC state, submit an application for review.
Insurance—The Protection Every Cosmetologist Needs
As a cosmetologist operating in West Virginia, you perform beauty therapies that help your clients to achieve their best look. While you would never do anything to intentionally cause property damage or bodily harm to your clients, unforeseen problems can happen. Imagine that a skin care product, such as oil or cream, you use on a customer causes an allergic reaction that needs medical attention. Or your hair dryer malfunctions, causing your client to sustain burns. These things are outside your control and a good cosmetology insurance policy can be a low-cost safety net.
Litigation can quickly and easily reach hundreds of thousands of dollars for the cost of legal fees, court costs, court ordered damages and the cost of settlements. Without the right coverage, you could lose your savings, assets, and even future earnings. Don’t take the risk. Get cosmetology insurance today to protect your livelihood.
