Whether you’re an independent contractor, an employee of a cosmetology business, or you travel to client’s homes, you’ll need to have completed 1600 hours and passed the AZ state cosmetology board exams to get your license in the state. Insurance is also essential for all cosmetologists in Arizona. Not only can cosmetology liability insurance protect you in the event of a lawsuit, but it can also pay your legal defenses in the event of a complaint against your business or for other legal business.
Even though it’s not mandatory for a cosmetologist to have professional liability insurance in Arizona, it’s recommended to buy coverage as it can protect your livelihood. Claims can come from any of your client alleging that you, your business or employees caused personal injury, bodily harm or property damage. These claims typically come in many versions, and often have nothing to do with the beauty therapy part of your business. Here are some of the most common liability exposures in cosmetology businesses in Arizona:
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