NACAMS & Insurance Canopy Comparison
Ready to make a switch?
We know buying liability insurance can come with a lot of questions. We're here to help.
Here is a comparison of policy features between two popular liability insurance choices: NACAMS and Insurance Canopy.
Already made your decision? You can purchase a NACAMS policy here
About The Company
NACAMS
The National Association of Complementary and Alternative Medicines (NACAMS), founded in 2005, serves health, wellness, and beauty professionals by offering comprehensive liability insurance and practice support. NACAMS does not certify or register professionals or schools. Instead, we offer industry-preferred and affordable insurance & benefit options.
In 2019, NACAMS was acquired by Arthur J Gallagher, the 3rd largest brokerage in the world, allowing us to grow and enhance our services.
Insurance Canopy
Insurance Canopy is one of many child brands of Veracity Insurance Solutions. The brand was founded in 2016 and has expanded its insurance offerings across multiple industries, focusing on offering flexible, affordable coverage.
Base Coverages
NACAMS
Coverages include:
- Professional & General Liability Insurance: $2 million per occurrence; $3 million individual annual aggregate
- Personal Injury & Advertising Coverage: $2 million individual aggregate
- Identity Protection Coverage: $25,000
+ Optional add-on of Microblading Insurance.
Insurance Canopy
Coverages include:
- Professional Liability: $2 million / $3 million
- General Liability: $2 million / $3 million
- Products Completed Operations Aggregate
- Personal & Advertising Injury
- Damage to Premises rented to you
- Medical Expense Limit
+ Optional add-ons including: gear & equiptment coverage, cyber liability coverage, diet & nutrition ocverage.
Policy Benefits
NACAMS
NACAMS has offered Occurrence Form Coverage since 2005, which means you are covered after your policy expires as long as the incident occurred while your policy was active.
NACAMS coverage is mobile & nationwide, meaning you are covered wherever you offer your services in the US.
Insurance Canopy
In 2025, Insurance Canopy transitioned its policies to Occurrence Form Coverage.
They provide professionals with professional and general liability insurance in all 50 states, except Minnesota.
Dual Practitioner Coverage
NACAMS
Over 500+ modalities & services are instantly covered once the policy is purchased. If you add additional offerings throughout the year, as long as they are covered modalities, you can continue with no policy adjustments needed.
For example, if you are a personal trainer and also teach yoga, you are covered. If you are a Reiki practitioner and a licensed massage therapist, you are covered. See the full list of covered modalities here.
Insurance Canopy
Insurance Canopy's website states that they currently cover 100+ teaching & fitness modalities.
Customer Service & Reviews
NACAMS
We strongly feel a customer's experience is the most important aspect of purchasing insurance. That is why we prioritize a seamless process with as little roadblocks as possible to get insured. Our customer support team is U.S. based and happy to assist you with any questions to make sure you get the peace of mind you need to feel confident.
We are rated Excellent on the independent review site, Trustpilot and 5 stars on Google Reviews.
Insurance Canopy
We had difficulty finding any review profiles on common review sites such as Trustpilot, Google Reviews, and Feefo.
According to the Insurance Canopy website, they have a "(nearly) 5-star rating".
Additional Member Benefits
NACAMS
When you choose NACAMS, you are also choosing to be apart of a wider network which includes extra benefits at no additional cost. Exclusive benefits include a free website, access to our Health Insurance Marketplace, discounts on larger expenses like hotels, rental cars, and even a free month of online mental health counseling.
Insurance Canopy
Insurance Canopy mentions that policyholders get automatic access to “exclusive benefits curated to help your yoga business grow,” but we could not confirm this statement based on their website information.
Price
NACAMS
The reason why NACAMS is the best choice for liability insurance is our all-inclusive membership model with one low annual price that encompasses all limits & benefits. Choose the one that best fits your needs and get insured the same day.
- One Year Student: $60
- One Year Pro: $179
- Two Year Pro: $329
Insurance Canopy
Insurance Canopy has 2 base price options, which are
- $15/month payment option (equals $180/year)
- $159/year payment upfront
There is no distinction between policies for students, part-time professionals, or full-time professionals.
There are optional coverage add-ons:
- Gear & Equipment coverage for $1.33-$10.67/Month
- Cyber Liability Coverage for $8.25-$12.50/month
- Diet & Nutrition coverage for $6.25/month
Comparison Conclusion:
If you’re looking for a broad, all-inclusive liability insurance plan that covers your various professional offerings, NACAMS may be the most suitable and affordable option. For example, it can be a strong fit if you teach both yoga and Pilates, are a licensed massage therapist who also teaches Pilates, or work as a mobile hairstylist and bridal makeup artist.
Insurance Canopy is a great option if flexible payment options are a priority, as they offer a true monthly payment plan. They also provide a broader range of coverage options beyond general and professional liability insurance.
Quick Comparison Guide
Here are just a few things our simple insurance has that others don't offer:
Feature | NACAMS | Insurance Canopy |
|---|---|---|
Professional & General Liability | ||
Instant Coverage | ||
Free Website w/Purchase | ||
500+ Modalities Included | ||
Identity Protection Included | ||
Occurrence Form Policy | ||
Dedicated Student Rate | ||
Coverage In All 50 States | ||
Membership Benefits | ||
Nationwide Coverage | ||
Monthly Payments |
NOTE: The data presented in the Insurance Comparison Chart reflects information gathered from publicly available insurance product specifications available on each company’s website as of August 2026. The companies referred to have not authorized or endorsed the information or use of their names in this comparative advertising.
Choose Your Policy
The Most Popular option
PRO 1 Year
$179
Save 8%
PRO 2 Year
$329
Pros In Training Save 66%
STUDENT 1 Year*
$60
*To be eligible for our student rate, you must be enrolled in your initial certification on the effective date of coverage. Our student policy will only cover you for the disciplines and methods that are in your coursework related to our covered modalities.