Liability Insurance for Fitness, Wellness, and Beauty Professionals

Liability insurance for health, wellness, and beauty professionals is an important protection for the best coverage possible, as well as peace of mind. Liabilities are risks. You have liabilities all around you as a yoga teacher, personal trainer, esthetician, and other professionals in similar fields. From clients slipping and getting injured to a bad allergic reaction, liabilities come in many forms in these industries. Rather than roll the dice with your career, you can get affordable, all-inclusive liability insurance from NACAMS in just a few clicks and practice what you love with absolute confidence.

The three main types of liability insurance include general liability, professional liability, and product liability:

• General Liability: Applies to accidents like slip and falls which is why it's also called slip and fall insurance. Covers a wide variety of different accidents, injuries, or property damage in or around your place of business.
  
  
• Professional Liability: Often called errors and omissions insurance or malpractice insurance. This coverage applies to accidents, injuries, and property damage that result from the actual services you provide.

NACAMS knows just how important these two liability insurance forms are which is why we include a $3 million annual aggregate and a $2 million per occurrence limit for general and professional liability.

NACAMS offers fantastic rates for insurance plans that are the perfect fit for any budget. With multiple policy lengths, the cost of your liability insurance will vary based on what you need. Though you receive the same coverage for each plan, the cost of liability insurance will depend on your status and the length of your policy. 

The different plans NACAMS offers for liability insurance are:

• Student: For the first year, student trainers can receive liability insurance for just $60. This allows you to be covered while you are still learning and perfecting your craft. You get the same great coverage as other plans, just at a student rate.
• One year Pro: Our most popular option is one year of coverage for $179. You can pay in installments supported by PayPal Credit or in a lump sum, whichever is most convenient.
• Two year Pro: Instantly save $24 by getting coverage for two years for $329. 

Even while you are still a student learning your craft, you still need liability insurance to keep yourself protected. Accidents can certainly still happen while you are a student in training and you could be held liable for an unfortunate circumstance. For example, say you are studying massage therapy and your client has a reaction to the oils you are using. You would need massage therapist insurance to help protect you from the out-of-pocket expense of a claim against you. 

Whether you need yoga liability insurance or personal training insurance, NACAMS has you covered for comprehensive insurance while you are a student. Get insured in a matter of minutes and protect your future career in beauty, health, and wellness.

If your policy was in effect at the time of an incident, you will be covered by our policy.  Learn more about Occurrence Form Coverage. 

Contact us and we will re-send you a new e-copy. Or go directly to your NACAMS member portal and sign in. You will find your certificate under "Insurance Certificate". Your confirmation of coverage is evidence that you have liability insurance coverage. We strongly suggest that you keep your confirmation of coverage in a secure location. 

NACAMS offers insurance coverage for a wide variety of health, wellness, and beauty professions. We offer personal trainer insurance, yoga liability insurance, esthetician insurance, massage therapist insurance and more. We have created fully comprehensive coverage for hundreds of different disciplines and modalities to help you get the protection and peace of mind that you need when working for the wellness of others.  

Though NACAMS covers an abundance of disciplines and modalities, we create each policy to meet the specific needs of each wellness, beauty, and bodyworker professional. This means that if you need personal training insurance, you receive coverage that is distinctly built around the needs of a personal trainer. The same is true for esthetician insurance, yoga insurance, or any other professional liability insurance coverage from NACAMS. We build personalized professional liability insurance that gives you a personal safety net of comprehensive coverage.

Yes! As a personal trainer, being protected from expensive out-of-pocket costs is an essential component of your career. NACAMS offers comprehensive personal trainer insurance to keep you protected in case a client sustains an injury while under your training. As a personal trainer, there is a potential risk for injuries and accidents to occur. Unfortunate incidents like these could incite your clients to hold you liable for expensive out-of-pocket costs. That’s one reason why it is vital to have personal trainer insurance to keep you from having to pay for a lawsuit or a liability claim against you. 

The personal training insurance that NACAMS offers provides both general and liability insurance, product coverage, and loads of perks and benefits. With your personal training insurance covered by NACAMS, the only thing you have to worry about is helping your client meet their fitness goals. 

Massage therapists rarely only utilize one modality in the massage arts and NACAMS offers coverage for a myriad of other modalities to help with your dual practices.

With coverage of modalities like reiki, reflexology, bodywork and over 400 more modalities covered, NACAMS has you completely covered. You can read through the full list of modalities covered by massage therapy insurance and contact our team if you do not see your discipline listed. We will help you get the right massage therapist insurance for you and your specialty. 

The nature of work that estheticians perform daily is up close and personal with clients. When you think about some of the practices that are covered by esthetician insurance like waxing, chemical peels, or makeup application, all require close contact with the clients. This could involve a higher risk of an accident that could lead to a lawsuit or a claim against you. Protecting yourself and your career with esthetician insurance will keep you from having to pay a costly expense out of your own pocket. 

With coverage for general liability, professional liability, and product liability, you can rest easy knowing that you are completely prepared should an incident occur. NACAMS will provide full esthetician insurance to help keep you protected.

Signing up online for a NACAMS membership is probably the easiest task you’ll take on today. Fill out our safe and secure online application and in just a few minutes you’ll have insurance coverage that starts protecting from the get go.

• Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
• Product Coverage: $2 Million
• Identity Protection Coverage: $25,000
• Personal Injury and Advertising Injury: $2 Million

With an occurrence-form policy from NACAMS, you are covered even if a claim is filed after your coverage expires. This means that if an incident occurs while the policy is in place but the claim is not filed until after your policy expires, you are still covered for that incident. NACAMS is committed to providing you with the best liability insurance at an affordable rate.