Let’s face it – worrying about liability insurance isn’t what you had in mind when you decided to become a cosmetologist in New Hampshire. More likely, you were focused on getting the 1500 hours or 3000 of apprenticeship the state requires and passing the board and licensing exams so you could get your license in the state. However, along with your license, insurance is actually one of the most important things you need in your career. This is because there are specific risks that you face and if you aren’t adequately insured, they could leave you in financial ruin.Whether you are just starting out or have been in the cosmetology industry for many years, get insurance coverage that is tailored to the cosmetology profession to protect your life, your ability to earn income, and your reputation. Not only can cosmetology insurance protect you against lawsuits by paying for your legal fees, but it will also protect your assets by paying for damages arising out of your practice. In New Hampshire, it is not mandatory for cosmetologists to have professional liability insurance. However, because it is cheap and has many advantages, it is always advisable to buy coverage.

As a cosmetologist in New Hampshire, you provide a range of beauty services to your clients. Your clients completely trust your training, skills, and judgment when they pay you for services. But, if your clients feel you made a mistake or your services caused harm to them, then it is possible they could sue you for the actual or perceived damages. Whether you’re held responsible or not you must be able to defend yourself. That’s why it is extremely important for you (as a cosmetologist) to carry liability insurance.