Missouri liability insurance
City of St. Louis skyline.

To work as a cosmetologist in Missouri, you must complete 1500 hours or 3000 of apprenticeship, pass all of the required exams, and renew your license every two years in order to stay current as a licensed professional. While working in the field, you provide beauty treatments, such as pedicures, manicures, applications of artificial nails, cosmetics, makeup, hair styling, coloring and highlighting of hair, hair extensions, wig treatments, hair removal, and more. You use your knowledge and skills to help clients enhance their looks. While there are many benefits to the services you provide, you also face a number of risks when giving beauty treatments to your clients.

Risks of working as a cosmetologist in Missouri


Working as a cosmetologist can provide a solid income, but it also has its own set of risks. A common risk when working as a beautician is bodily injury that may occur in the course of your work. Since you rely on hazardous chemicals, electrical tools, and various equipment to provide beauty treatments, you are faced with a real risk of accidental bodily injury.

Whether you work in a salon, health club or spa, on a mobile basis, or operate from home, there are risks when dealing with the treatments you provide. Beauty treatments, such as peels, facials, body wraps, wax removal, spa treatments and others, are all fraught with risks. No matter how well trained and careful you may be, there’s always room for human error. Accidents may result from the beauty treatment procedures, chemical products, or tools used.

A client may experience an allergic reaction to the products you use on their skin, hair, or nails. A mishap could also cause beauty chemicals to get to their eyes, nose, or mouth. This is something you should be concerned about as a professional who is interested in your clients’ well-being. You can never tell when an accident could happen or why. Unforeseen problems do happen (and might happen to you), and it doesn’t matter where you are working. For example, one of your electrical tools, such as curling iron or hair dryer, may cause a fire in a client’s house due to some odd twist of circumstance. Even if you’ve taken the necessary precautions, you could still be held responsible for property damage. That’s where cosmetologists’ insurance can help.

What a policy can do for you


Cosmetology insurance protects you, your reputation, your assets, and your future earnings from various claims that may be filed against you by clients or third parties alleging that your services caused bodily harm or property damage. The cosmetology insurance policy takes care of legal fees, any judgment that is entered against you, and may also pay you for time off work while dealing with the claims up to the insured amount. This gives you peace of mind and real protection against potentially devastating liability exposures. By investing in insurance as a professional, you’ll be making a smart move for you, your career, and your financial well-being.