KEY TAKEAWAYS: Determining the best cosmetology insurance in Missouri can be tricky – how do you know what to look for or when you need insurance? This blog is your first step toward determining which insurance partner you can trust and what you need to look for.
Picture it: You’re a resident of the great state of Missouri, fresh out of cosmetology school or starting your beauty business, and now you’re figuring out what to do next.
First things first, Congrats on getting to this point, it’s a huge deal!
You may be figuring out your services, policies, and systems, but one of the most important decisions you need to nail down – even if you don’t know it – is who you’re going to trust as your cosmetology insurance partner.
Insurance in the beauty industry is a must. Not only is it likely legally required for you to do business (always check your state’s regulations), but there are also too many potential risks not to have cosmetology insurance.
With multiple options for cosmetology insurance in Missouri at your fingertips, how do you know which is the best possible option for you, your suite, or your salon? Your salon?
Maybe you’re trying to figure out why you even need cosmetology insurance.
We get that! The process can seem daunting at first, because if you choose the wrong coverage, the consequences can be detrimental to your growing biz!
This article will answer all of your burning questions. Because, in this business, not having insurance can be one of the biggest mistakes you make.
If you’re dealing with people in close proximity, you need cosmetology insurance in Missouri that protects you, your business, and your clients!
Our Quick Tips: What to Get Before Cosmetology Insurance in Missouri
What you need before you start working as a beauty pro will vary from state to state. Insurance is just one of the factors you’ll need to consider.
In Missouri, you’ll also need to tackle a few other things before you’re ready to start your business.
- You’ll first need an actual MO cosmetology license or to be a student in cosmetology school (high-quality insurance partners will always have cosmetology student insurance options!)
- After you’ve secured that license, you’ll then want to get your business license!
Practical Reasons Why You Need Cosmetology Insurance in Missouri
Thinking of operating without cosmetology liability insurance? Respectfully – think again.
Not only is liability insurance required by most salons and spas, but failing to carry insurance puts everything you’ve worked for (and your future success) at risk. Think of these sticky situations you could find yourself in:
- A client ends up with a bad rash from a product you’ve used, and they’re uncomfortable and not happy.
- A cut during a bridal nail appointment draws blood, leaving your client with scabs right before their wedding day.
- A microneedling treatment didn’t seem to work for a client, and now they want their money back.
- A waxing appointment goes when the client suffers a bad burn from wax that's too hot, leaving them in pain, and now you’re on the hook for their medical attention.
"Not only is liability insurance required by most salons and spas, but failing to carry insurance puts everything you’ve worked for (and your future success) at risk."
These situations are not ideal and often are the worst-case scenarios, but they unfortunately can – and do – happen. Having coverage that will protect you and allow you to work confidently with each client is a must!
The amazing thing about cosmetology insurance is that it will cover all of these situations and more, not just one-offs or absolute worst-case scenarios.
This means you’re not left scrambling to fix a situation, feeling like your hands are tied, or dealing with a loss in business, finances, or a damaged reputation.
The Best Insurance Around: Why Consider Elite Beauty Society
Elite Beauty School offers a robust insurance plan that gives you full coverage for over 500+ beauty and wellness services, and is trusted by over 200k beauty pros! (And did we mention, it literally only takes 5 minutes to get protected.)
One of the best features? Long-term occurrence-form coverage. If something happened while you were covered, and someone files a claim YEARS later, you’ll still be covered as long as you were insured at the time. So you don’t need to stress down the road if an unhappy client comes back around, because EBS has your back.
Here are some areas our policies include:
- Professional and general liability insurance
- Personal and advertising coverage
- Identity theft protection
- Over $1,000+ worth of member benefits—covering the cost of your policy in added value
You also don’t need to worry about the size of your practice either, whether you’re a small-town stylist or a big-city salon owner, you’ll be covered for up to 2 million for whatever situations may come your way!
Not All Insurance Providers Cover Missouri Cosmetologists, But Elite Beauty Society Does
One super important factor we haven't mentioned yet? Cosmetologists in Missouri aren't covered by other insurance providers! Luckily, Elite Beauty Society offers cosmetology liability insurance for beauty pros in the fine state of Missouri, so you can secure peace of mind for your career.
Plus, if you travel across state lines for work, you're still covered with us! We offer coverage that follows you anywhere you work in all 50 U.S. states.
The Real Benefit of Cosmetology Insurance: Peace of Mind
Let’s visualize this for a second.
You’re fully covered by Elite Beauty Society, doing your dream every day. One day, for whatever reason, you’ve performed a service for a client that goes the opposite of how you intended for it to go.
The client isn’t happy, and now you’re on the hook for damages. But, because you have a reliable, occurrence-form cosmetology insurance that protects all your modalities, you get to sigh with complete relief because you know any associated costs are covered, and you can fully focus on the human relationship aspect of your business.
In the end, you get to protect your livelihood and your passion when you choose the right cosmetology insurance. You get to do your work with peace of mind, also extending that peace to your clients.
P.S. Thinking of going with Elite Beauty Society as your cosmetology insurance in Missouri? (We highly recommend!) Did we mention we’re backed by one of the most prestigious insurance brokers? With Gallagher as our foundation, you won’t ever have to wonder if your coverage will come through.
Seeking Peace (& Coverage?) Elite Beauty Society Can Help
At the end of the day, you didn’t come this far to risk your entire career on a “maybe I’ll need coverage, maybe I won’t.” Get the peace of mind – and protection – you deserve!
Our hot take? You’ve worked too hard. You deserve to build your beauty business with confidence, not constantly looking over your shoulder, wondering what if. Whether you’re fresh out of school or fully booked and thriving, having the right cosmetology insurance in Missouri is a key part of growing your thriving career.
And with Elite Beauty Society, you’re not just getting coverage, you’re getting a partner that understands your industry, your risks, and your goals.
Two Year
Lock in a rate of $150 per year by purchasing our two year policy, with all the same benefits.
$
299
/2 years
One Year
Protect your career for a single year. Get comprehensive coverage at the most affordable rate.
$
179
/year
Meet Julia Hansen, a copywriter and social media manager passionate about the prose she writes and the content she creates. She combines creativity with research and data to deliver results that make people actually take action (and actually want to read!).
She recently founded Akta Creative, an email marketing and social media business that works closely with individuals to give them specific, personalized results so their businesses can thrive.
Besides writing and creating content that inspires, she loves a walk on a warm day, a good book with some coffee, and spending time with her loved ones.
