Do Most Jobs in Cosmetology Provide Insurance?

Understanding the Basics of Employer-Provided Insurance

You probably don’t need us to dive into a whole explanation of why insurance is necessary for your cosmetology career.

It’s likely you’ve already heard the spiel about the importance (if not from us, probably from some other insurance company) so we don’t need to do the whole performance for you.

But what we haven’t really touched on in the insurance realm is the importance of having your own cosmetology liability insurance.

By that, we mean that often just having insurance is highlighted, but not having your own.

 That means a lot of cosmetologists are out there relying—or planning to rely on—their employer’s insurance offerings.

We feel the need to be really clear—it’s very necessary for you to have your own cosmetology liability insurance policy, even if your employer could (or does) offer one to you.


Well, we can’t explain the necessity of something without fully explaining what it is in the first place—so, consider the below just a teeny, little refresher on cosmetology liability insurance.

Already have a solid grasp on liability insurance? Feel free to skip ahead (but there’s no shame in reading this brief section if you want to update your knowledge base!)

What Exactly is Liability Insurance?

Liability insurance is a protective measure that covers you, your career, your finances, and your future should something unexpected, bad, or damaging happen (actually or allegedly).

Beauty liability insurance—like other forms of insurance—is a form of risk management where the insured (that’s you!) can be protected and relieved of the financial responsibility of a potential loss as well as gain peace of mind that experts are handling any claims.

In other words, think of liability insurance as a safety net.

You don’t expect anything bad to happen in your cosmetology career, and you certainly don’t plan to make mistakes—but just in case, you’ve got a seriously reliable safety net watching your back. 

That way, if anything does happen, the financial, legal, and professional burdens of it are going to be taken care of by pros in the insurance industry.

That takes the stress off you, safeguards your career, and keeps all your finances from getting scrapped into costly lawsuits that might result.

Want to learn more?

Don't Most Cosmetology Jobs Provide Cosmetology Insurance?

Honestly, we can’t give you some data-driven answer that we’re fully confident in because, well, the jury is sort of out on those numbers.

But we will be honest with you.

Most cosmetology employers worth their salt will provide you with some form of liability protection when you start working with them.

Whether they add you as an additional insured on their shop or spa’s plan or they set up some sort of extra coverage, it’s highly likely that when you accept a job in a traditional salon, spa, or shop, you’ll have some form coverage.

That being said, we don’t consider this form of protection as an adequate layer of coverage and it should be supplemented with your own policy.

Why? We’re getting right to that.

The Top 2 Reasons Why Having Your Own Liability Insurance Matters 

Provided Liability vs. Your Own Policy: Not All Protection is Equal

Let’s say that, yes, your current employer does offer everyone who works for them access to their liability insurance.

On one hand, that’s amazing—your employer clearly cares about you and wants to ensure you’re covered in something bad happens.

As altruistic as that might be—and seriously, it can be!—it’s also entirely true that your employer understands that you are an extension of them and their brand.

That means they’re responsible for anything that happens while you work for them—good or bad, alleged or actual.

And ultimately, this means your employer is going to invest in insurance that does one job really well—protecting them and their business.

This isn’t bad and is to be totally expected, right?

They pay for the insurance, they’re investing in coverage, and they want to make sure that, above all, they’re taken care of. That’s quite literally the point of insurance.

What does that mean for you? Well, it means that by default, you’re going to be slightly less of a priority.

Think about it like this.

Insurance policies are like umbrellas. The person investing in that policy is the one holding the umbrella handle, standing in the middle and wholly protected from any inclement weather.

That umbrella might leave room for a few people on the outskirts, but it’s more than likely those on the outside are going to deal with a little bit of the unpleasantness that’s part of that bad weather.

So, sure, you’re going to be a little protected—but not nearly as protected as you’d be if you were the one holding the umbrella.

Do yourself a favor—even if your cosmetology job provides you with insurance, be the one holding the umbrella.

Non-Traditional Gigs Don't Come With It

And that makes sense, right?

If you’re opting for a freelancer position, a mobile stylist position, or any circumstance where you’re your own boss then, yeah, it definitely makes sense that gig wouldn’t naturally include insurance coverage.

Why? Because you’re the one in charge of coverage, of course!

So, if you’re thinking to yourself, “I’m opting for a traditional gig right now where I work for someone else and the insurance is taken care of,” just remember this might not always be the case—you might want to know how it works before you have to know how it works, if that makes sense.

Hopefully, we were able to shed a little light on the top two reasons that you should invest in your own professional, general, and product liability insurance for your cosmetology career.

 And yes, when we say “invest” that’s what we mean—insurance isn’t just another expense you have to pay every month, it’s coverage for your future career.

Have questions? We can help.

Peep our page here for a little more info about the type of cosmetology insurance we offer (and why it’s the best!).

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