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.

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.

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.