Get Insured
In California, 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.
California Cosmetology License Requirements
Prerequisites
- At least 17 years old
- 10th grade education or equivalent
Training
- 1600 school hours / 3200 apprentice hours
- Written and practical exams
Instructor License
- Valid License, certification through post-secondary education
- $50 fee
Renewal
- Renew every 2 years, in odd-numbered years, by the original licensing date
- $50 fee
Reciprocity
- Must hold a cosmetology license in good standing in home state
- Must be licensed 3 out of the last 5 years
CEUs
- Not Required
State Board Information
California Board of Barbering and Cosmetology
(800) 952-5210
barbercosmo@dca.ca.gov
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 California Cosmetology Insurance Cost?
Cosmetologist insurance in California can have a wide range of costs and fees. However, at Beauty Insurance Plus, we don't believe in nickel-and-diming our members. We keep our insurance costs as low as possible to help our members enjoy the coverage they need without breaking the bank. We offer three plans to choose from. Our members can choose the perfect plan to match their budget and coverage needs. We offer the following plan options for cosmetology insurance in California:
- Students pay only $49 for the first year of coverage.
- Full-time beauty professional plans start at just $169 for one year of coverage.
- Pro plans for two years of coverage help members save just $299 per year.
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.
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One Year
$169
Per Year
our first year introductory rate. take advantage of everything we have to offer!
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Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
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What Does Cosmetology Insurance Cover?
- Professional Liability (or malpractice) includes any grievances or claims filed by clients claiming to suffer injury or damages due to negligence on behalf of the cosmetologist. Examples include: chemical burns to the scalp due to a hair color treatment gone wrong or an infection received from a nail treatment.
- General Liability (or slip-and-fall scenario) protects you against third-party claims for both bodily injury and property damage. Examples include: someone gets hurt by tripping over a salon chair or a client steals a product.
- Hair Styling
- 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
Policy Highlights & Benefits
- Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
- Personal and Advertising Injury:$2 million per year
- Identity Theft Protection:$25,000
- Instant coverage and certificate of insurance
- Occurrence form coverage, the industry's preferred choice
- Receive 50% off your first two-month subscription to GlossGenius, scheduling software
- All-inclusive, mobile coverage for more than 500+ beauty and wellness services
- Get 10% off your subscription to BTCUniversity
- Access to Beauty Insurance Plus's Insurance Marketplace with options for group rates on health, vision, and dental plans.
The #1 Choice for Cosmetology Liability Insurance
We understand you have lots of options for beauty insurance in California. At Beauty Insurance Plus, we offer generous coverage limits, outstanding protection, and incredible member perks and benefits. In the broad landscape of insurance companies, BIP stands out for astonishing policyholder satisfaction, ease of application, and superior care.
Our members not only enjoy the total coverage package of our liability insurance but also the affordable prices and portable coverage. If you choose BIP as your liability insurance provider, you can access our full support, incredible benefits, and confidence-inducing coverage. Our members consistently rate our services as excellent and outstanding in our field. You, too, can join the thousands of satisfied members by joining the BIP family.
Frequently Asked Questions
Do I have prerequisites to complete?
If you are at least 16 years old and have completed at least up to a 10th grade education, you are eligible to obtaining a cosmetology license in the state of California.
What do I need to do to obtain my cosmetology license?
You will have to complete 1,600 school hours or 3,200 apprentice hours and pass both written and practical exams.
Do I need a license to be a cosmetology instructor?
A cosmetology Instructor license is not required in the state of California.
Does California require me to complete CEUs?
CEUs are not required in California.
How often do I need to renew my cosmetology license?
A person practicing cosmetology must renew his or her license every two years—in odd-numbered years, by the original licensing date.
Moving to California from another state?
No problem, just make sure you hold a cosmetology license in your home state for at least three out of the last five years.
What does a BIP cosmetology insurance plan cover?
While other cosmetology insurance providers in California offer less coverage for more money, we include everything a beauty professional needs to feel confident in their liability insurance coverage. From day one, you'll enjoy the full suite of coverage to protect you from every angle. Every Beauty Insurance Plus liability policy includes coverage for the following areas:
General liability to protect against universal risks, like slips and falls.
Professional liability to mitigate the risks of professional mistakes or errors.
Product liability in case something goes wrong with the product you use, your equipment, or a product you recommend.
Personal injury and advertising injury in the case of slander, libel or copyright infringement.
Identity theft protection to keep your personal and business data safe.
Tons of member benefits.
So much more!
As a member, you'll enjoy more coverage at the same low price.
What are some typical claims covered by cosmetologist insurance in California?
Of course, a liability claim can stem from several incidences, like accidents, mistakes, or negligence. Despite your best efforts, even seasoned cosmetologists can accidentally cause harm to one of their clients. Here are some of the most common claims covered by cosmetologist insurance in California:
- Cuts
- Burns
- Slips and falls
- Chemical damage
- Unsanitary facility conditions or treatments
- Cosmetic damages
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.
