Disciplines and Modalities Covered

Certainly! We recognize that everyone operates their business differently and welcome diversifying your practice. For example, you may be a yoga instructor who also offers assisted stretching services or Barre classes. Selecting all the disciplines you provide will help ensure that your policy adequately meets your specific coverage needs. 

Adding additional disciplines to your policy can be managed when going through your enrollment process. Simply select that option as you input your policy preferences and select all that apply. If you do not see the specific discipline you wish to add, you are welcome to give us a call at 800-964-0158 to speak with a specialist. We’ll help walk you through the process of adding additional disciplines and answer any other questions you may have. 

If you are like most of our clients, you have a few different focus areas in your business. Whether you are a cosmetologist who also offers massage or a yoga instructor who doubles as a dance teacher, getting the appropriate coverage is essential. You can select the applicable disciplines and add them to your policy during the application process. Adding a few focus areas does not incur an additional fee. You are welcome to add multiple disciplines to your policy if you like. 

AT NACAMS, we recognize that one-size-fits-all shouldn’t apply to insurance. We’ve made it simple to tailor-make coverage that centers on your unique services. Just as each person is unique, each policy is catered to be individually yours.

Yes, you can still be held liable for malpractice or an accidental injury, even as a student. While you are still honing your skills as an esthetician, personal trainer, or massage professional, accidents can happen. If a client is injured while under your care, they may have grounds to file a liability lawsuit against you. 

Some programs require that you have liability insurance as a part of the course requirements, but not all will. Be sure you have the coverage to protect yourself if the worst should happen. We offer a student rate for a full year of coverage for just $55. That way, you can have access to the same great coverage as our professional policy, but at a deep discount.

Perhaps you are getting a personal trainer insurance policy and working with clients in different gyms. It’s important to have each business covered in your policy. If something were to happen in a business that was not specified in your policy, it could be ineligible for coverage from NACAMS. No worries, though. We make it easy to add a business to your policy.

During the enrollment process, you have the option to add a business to your policy to ensure that you are covered wherever you work. You can add each business for an additional $10 for one year, $15.95 for a two-year plan, or add unlimited businesses for an additional $30.

Have no fear, we cover a wide range of over 450 unique disciplines. While we certainly attempt to offer coverage for as many disciplines as possible, there may be a few areas we cannot cover. However, in most cases, unique fields fall under the umbrella of another area that we do cover. When going through the list, be sure to double-check for areas that may contain your specific discipline. 

If you do not see your area listed, please feel free to chat with our team or call us at 800-964-0158. One of our team members will gladly let you know if we can cover your specific area of expertise.

The cost of a professional policy will depend on your discipline and any additional policy features you select like adding a business. Our team would be glad to give you a quote for everything you may need, or you can check in the application phase. 

Our plans start as low as $179 per year, and we offer monthly payment options to best fit your budget. We strive to keep our costs as low as possible to give you the best coverage at a price that makes your wallet happy. We tell you upfront what your costs will be to avoid any surprise expenses.

While the overall benefits and coverage will stay the same across the board, the benefits will vary slightly based on your discipline. Especially in the area of the discounts and deals portion of your perks package, the benefits are designed with your specific discipline in mind. We create a suite of perks to pamper and treat you, specifically as a personal trainer, cosmetologist, massage professional, or yoga instructor. We know that each of these professions has different, unique needs and therefore needs its own set of perks. 

Of course, every career we cover has the same great insurance and will have access to a wide range of benefits. We make you our top priority and will do everything we can to make your experience with us positive. The personalized benefits are just one way we show we care.

Of course! While some employers will provide insurance for their workers, many will not for beauty and bodyworkers. We have several plans that are specifically designed for employees and others made just for self-employed folks. We make getting the coverage you need simple and affordable, no matter what your situation. With discipline-specific plans and a range of options, you can find the perfect professional liability insurance plan to meet your needs. 

Applications only take a few minutes, and coverage starts immediately. Find the right coverage for your modality or discipline. Don’t wait until something unfortunate happens to think about insurance. Get covered today.

There are multiple factors to consider regarding whether a liability insurance policy will cover a claim. One of these factors is whether an insurance company requires you to provide your clients a “release of liability” waiver. If your insurance does require this, and you forget to give it to your client, you may not be eligible for coverage. 

With any insurance policy, it is essential to find out information on specific instances like this example. Be sure to check your policy details to know where you stand. Empower yourself with the knowledge you need about situations like this and what your policy states.

Most definitely! While the cost of each discipline policy can vary slightly, they can all have a discounted rate. We know that every dollar counts, especially when you are self-employed or a contract worker. That’s why we make it a goal to keep our rates as low as possible. 

The easiest way to get a lower cost on your professional liability insurance plan is to purchase the 2-year plan. By committing to a 2-year agreement, you get all the same benefits and coverage but at a competitively discounted rate. We also offer the option to pay in monthly installments to keep your expenses affordable. Start your application, or send us a chat to get a quote.

We sure do. We have tons of libraries on industry-specific content made just for our policyholders. When you have your professional liability insurance through NACAMS, you have access to some incredible resources to make your work easier and enrich your knowledge. We prioritize providing educational opportunities for every field that we cover. Whether you are in cosmetology or yoga instruction, we value your educational expansion. After all, knowledge is power. At NACAMS, we want you to know how much we care for your career. We provide a myriad of resources to our policyholders as a way to invest in the future of your field.

There are a few different ways to double-check that your modality will be covered with a professional liability insurance policy. First, you can check the list below to find your specific industry and then see all the disciplines listed below each heading. This is the complete list of what we cover and the classifications of each discipline. 

The second way to do a quick check is to chat with one of our team members through the online chat feature. This feature is designed to provide a quick answer to inquiries and assist with general info. 

Finally, we would love to have you call us at 866-791-1930 to discuss whether your discipline is something we can provide coverage for. As always, don’t hesitate to ask any questions or reach out with concerns.