Professional Liability Insurance for Health, Wellness, and Beauty
Coverage for Over 450+ Modalities
Comprehensive Coverage You Can Count On
Insurance Designed Specifically for Health, Wellness, and Beauty Professionals
We Are Here To Support You With Live Agents Available 8:30—5:30 EST. Just call 1(800) 964-0158.
Instant Coverage + Proof of Insurance
Get Covered in Less Than 5 Minutes
Wellness Professional & General Liability Insurance Options
Professional Liability Insurance for Health, Wellness, and Beauty
NACAMS (National Association of Complementary and Alternative Medicines) has long been known as a leading voice in health, wellness, and beauty, and we have supported professionals as a national association for years. Our liability insurance has been specifically tailored based on our intimate experience exclusively within this industry and is uniquely suited for supporting each of our members in their career journeys. Professional liability insurance is truly just the beginning with our solidly-built plans. Members enjoy general and product liability coverage, rental damage coverage, stolen/damaged equipment coverage, and even an identity protection plan all under one overarching policy. Providing our members with real protection that starts the moment they sign up is all a part of our overall effort of supporting health, wellness, and beauty. With great benefits, streamlined service, and a huge support network, your NACAMS liability insurance policy becomes a powerful tool in your career’s success.
A few of the 450+ professions we are proud to cover with affordable, all-inclusive liability insurance include:
Every NACAMS Professional Policy Includes:
$2 Million per occurrence
The amount of coverage available for each individual incident that results in a claim.
$3 Million Individual Annual Aggregate
The total amount of coverage available for any claims made during the course of the policy year.
$2 Million in Product Coverage
Protection from claims that your product or completed service caused a client injury.
$100,000 Rental Damage Insurance
Coverage for any accidental damage to rental spaces.
Identity Protection Plan
Coverage for costs related to identity theft or fraud.
$1,000 Stolen Equipment Insurance
Protection for damaged, lost, or stolen rental equipment.
As an Added Bonus, Receive the Following at No Extra Charge:
Free Professional Website
Want to get the word out about your practice? We've got you covered. Every person who joins NACAM's receives a free customizable website.
Exclusive Member Discounts
Additionally, you'll receive exclusive association benefits, like discounted rates on business supplies, wellness products, and CEUs.
Take your specialty to the web, and you will still be covered under our policies! We cover you online for live streaming & pre-recorded video.
Professional Liability Insurance by NACAMS
NACAMS (National Association of Complementary and Alternative Medicines) is a national association that serves health, wellness, and beauty professionals by providing practice support, marketing materials, state licensing and insurance requirements, and access to liability insurance for the following disciplines: Cosmetologists, Personal Trainers, Estheticians, Nail Technicians, Dance Teachers, Pilates Instructors, Movement Therapists, Yoga Instructors, Reiki Professionals, Massage Therapists, Physical Therapists, Occupational Therapists, Reflexologists and more.
We Keep Members Happy
Our mission goes beyond providing affordable & dependable insurance coverage—we aim to support wellness professionals at every point in your career by offering personal, ongoing support.
I have been insured with NACAMS for 4 years now. They make it so simple to get insured. The renewal process only takes minutes. They also send me a friendly reminder beforehand, and that keeps me from having lapse in my insurance. Very affordable!!!!
I have been using Nacams for a few years now and have never had any issues. When I needed to change something about my insurance, or renew, I can do it in just a few minutes. I can also rely on the fact that anyone answering the phone will be helpful and nice.
It’s easy to use, easy to add locations on and overall great customer service. Plenty of options for plans and payments. I would highly suggest!
Affordable Prices. Unmatched Coverage
Instant access to your insurance certificate, hundreds of dollars in exclusive member benefits, and additional coverages at no additional cost.
Best for Student Trainers
Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.
Take advantage of everything we have to offer starting at just $14.92/month.
Per 2 Years
Lock in a rate of $139 per year by purchasing our two year policy, with all the same benefits.
Pay Over Time with PayPal Credit
We partner with PayPal Credit to offer you more flexibility in your budget. With the PayPal credit finance option, you can pay for your policy monthly since PayPal credit takes the whole cost of your policy and a small service fee, then breaks it up over your selected duration.
No interest will be charged on the policy purchase if you pay it off in full within 6 months. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Pay monthly, or any additional amount of your choosing, until you've paid off the balance. Subject to credit approval. Learn More.
Have More Questions? Call our licensed agents at: 1 (800) 964-0158
Sign Up Today
Coverage in 4 Minutes or Less
Follow the steps below to complete your simple checkout with NACAMS. Quick, affordable, and online!
Choose Your Specialty
You're covered for 450+ modalities
Choose Your Policy Type
One Year, Two Year, Student Policy
Complete Your Checkout
Takes less than 5 minutes
Practice With Peace Of Mind
We have coverage you can count on
Not only do we provide health, wellness, and beauty insurance at an affordable rate, we also offer great perks and benefits, above and beyond what other insurance providers in the industry provide.
With a NACAMS policy, you are covered no matter where you practice within the United States.
Occurrence Form Coverage
We offer the industry's preferred choice of coverage, which ensures you aren't liable for claims that occur while your policy is active, no matter when the claim is made.
Exclusive Product Discounts
In addition to A+ rated coverage, we offer exclusive discounts on industry & business needs, and low cost rates on medical insurance like Telehealth, Vision, Dental, and more.
Liability Insurance For Wellness Professionals
We support health, wellness, and beauty professionals by providing the information and resources they need to thrive in their businesses.
Proud Supporter of Wellness
NACAMS is a proud supporter of organizations that promote wellness and sustainability, such as the Massage Therapy Foundation, Elite Beauty Society, National Association of Barbers, and beYogi.
Frequently Asked Questions
Liability insurance specifically covers different forms of liability, which can take the form of things like slip and fall accidents or a client being injured during a session. With NACAMS, liability coverage included general liability, professional liability, and product liability coverage. However, we believe truly all-inclusive insurance needs to take it a step further so we also include additional protections like rental damage coverage, stolen equipment coverage, and even an identity protection plan. This insurance coverage also extends to hundreds of different modalities—all at once, all under the same policy. So you’re covered if you’re a cosmetologist and a client gets burned by hot wax or you're a massage therapist and your client says they were stretched too far and tore a muscle. No matter what, our coverage is designed for ultimate protection, 24/7.
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. If someone is hurt or has their property damaged, they may even sue to get compensated. 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:
NACAMS knows just how important these three liability insurance forms are which is why we include a $3 million individual annual aggregate and a $2 million per occurrence limit for general and professional liability and a $2 million limit for product liability coverage.
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, students can receive liability insurance for just $55. 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: Our most popular option is one year of coverage for $179. You can pay in installments over the year or in a lump sum, whichever is most convenient.
- Two years: Save $78 by getting coverage for two years for $279.95. This option can be paid for all at once or over a period of 12 months.
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.
At present, we offer a few different options to make it easy for everyone to pay for liability insurance however is easiest for their unique situation. You can get a low annual premium today or save money by purchasing a two-year term all at once. You can even select monthly insurance payments if you would like to look at financing. In addition, we created a discounted students-only plan, as well as a benefits only plan for supreme flexibility.
When you decide to move forward with insurance from NACAMS, you’ll be taken through a straightforward, secure application that only takes minutes to complete and shows the most up-to-date plan pricing information. Check out a complete overview of the policy, choose your profession, how you want to pay, and that’s it. As soon as you complete the check out process, you’ll have instant coverage and full access to all of your plan documents.
If your policy was in effect at the time of an incident, you will be covered by our policy. All professional or product liability claims must be reported within two years after your policy expires. Learn more about Occurrence Form Coverage.
Contact us and we will re-send you a new e-copy. 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. Or go directly to your NACAMS member portal and sign in. You will find your certificate under "Insurance Certificate"
Unfortunately, no. When you enroll with NACAMS, you immediately enter the system and a certificate is instantly emailed to you, so our policy is nonrefundable.
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. Health, or beauty 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, rental damage insurance, stolen equipment insurance, 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 massage therapist modalities. Because the methods used during a massage therapy session may be varied, NACAMS knows it is important to have coverage no matter what modality you use. Though it is common to only cover a few basic methods and modalities, NACAMS includes the full list of modalities to offer unique and comprehensive massage therapist insurance.
With coverage of modalities like reiki, reflexology, bodywork and over 300 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 very up close and personal with their 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.
Absolutely! Number one, we are partnered with many great organizations that are all doing their part to make the world a better place. Individually, each member gets access to member benefits suite they can start using on day one. There’s exclusive members-only discounts and deals, a free website, curated content, and so much more all to make you the best you can be and provide ultimate value.
Signing up for NACAMS membership is probably the easiest task you’ll take on today. Just fill out our quick online application and check out and in just a few minutes you’ll have insurance coverage that starts protecting from the get go.
If you are seeking personal trainer insurance, yoga liability insurance, or any type of coverage for a discipline that involves equipment, it is important to know you are covered if your equipment is stolen. NACAMS offers $1,000 worth of coverage for stolen, lost, or damaged rental equipment. Every piece of equipment you use for your personal training, yoga instruction, or massage therapy is an investment in the wellness of your clients. That’s why NACAMS offers coverage to help protect yourself and your investment.
Stolen equipment coverage is just the tip of the iceberg when it comes to coverage. NACAMS has built its comprehensive liability insurance to specifically meet the needs of workers in the health, wellness, and beauty industries. Offering both general and professional liability insurance for hundreds of professions, NACAMS has you covered for all your liability insurance needs.
General and professional liability insurance from NACAMS covers up to $2 million per occurrence with an annual aggregate of $3 million. With a $2 million product individual aggregate and up to $100,000 for rental damage insurance, the coverage that NACAMS provides is more than sufficient. At an affordable $179 per year, you can get the coverage you need to continue practicing with confidence.
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.
Stay in the Know with All Things Wellness
Sign up for our NACAMS newsletter and stay up-to-date on industry trends and happenings.