Student Liability Insurance
As you take the exciting steps toward becoming a health, wellness, and beauty professional, you’ll want to ensure that you have all the support you need to develop your new career and set yourself up for success. Part of that journey involves making sure you're well-prepared for whatever comes your way, and that's where liability insurance comes in. We know that the future can be unpredictable, but being proactive and securing yourself against risks from the outset is one of the best ways to start your career on the right foot.
Same Great Coverage At A Fraction Of The Cost
Welcome to our student policy which offers the same great coverage as our professional policy at a special student rate. We want you to enjoy all the benefits of our program without worrying about the cost. NACAMS, underwritten by Arch Insurance Group, has your back, and we're committed to providing you with the peace of mind you need as you dive into the world of alternative medicine.
Starting a new career is thrilling, but we also know that unexpected challenges can occur along the way, potentially jeopardizing your bright future. For new health and wellness professionals, facing a lawsuit can be financially overwhelming and emotionally draining. That's why getting insured while you're still in school is a smart move that shows you're serious about protecting yourself and your future success.
Why Get Student Liability Insurance?
Student liability insurance in the health and wellness industry is designed to provide protection to students who are undergoing training or education in various wellness industries and practices. This type of insurance can help mitigate a range of risks that students might encounter during their learning and practice.
Student liability insurance can protect you in the case of an accident or injury in which you’re involved. In many health and wellness industries, students often work with clients or patients directly, which can increase the risk of accidents or injuries occurring during practice sessions. Student liability insurance can provide coverage in case a client is accidentally injured or experiences harm during a student's training.
Potential liability risks student liability insurance can shield you from include:
Students-teachers may make mistakes while learning and practicing various techniques. If a mistake leads to harm or injury to a client, the student-teacher could be held liable for professional negligence or malpractice. Professional & general liability insurance for the student teacher can help cover legal expenses and potential settlements in such cases.
Picture this: You, a dedicated student-teacher, are immersed in guiding your class when suddenly, an unforeseen event unfolds. Your computer sparks an accidental fire, causing unintended damage to the studio space. Enter our student liability insurance to cover the potential liability that falls on you. This comprehensive insurance ensures that accidental events and other incidents don't translate into financial concerns.
In many health and wellness environments, there's a risk of clients slipping, tripping, or falling, potentially leading to injuries. Student liability insurance provides general liability coverage in case a client is injured due to such incidents while they are in your care.
Liability insurance can help protect student-teachers if a client experiences negative consequences from a treatment or product recommendation e.g. essential oils, incense, etc.
In today's digital age, personal information security is paramount. Student liability insurance provides coverage for identity protection, safeguarding you from the consequences of identity theft. Should your personal information be compromised, leading to fraudulent activities or financial loss, this coverage steps in to offer financial assistance and support to help restore your identity and mitigate the resulting damages.
As a student in the health and wellness industry, your equipment is integral to your practice. Whether it's massage tables, fitness gear, or specialized tools, the loss of equipment due to theft can disrupt your training and practice. Student liability insurance covers the cost of stolen equipment up to $2,000, ensuring that you can quickly replace what's been taken and resume your educational journey without undue financial strain.
Students might communicate about their practices through various channels, including online platforms. If a student/teacher's statements about their training or services are perceived as libelous or slanderous by a client, fellow student, or instructor, liability insurance can offer protection against potential legal claims.
Why Should You Get
Student Liability Insurance with NACAMS?
Because we offer the most comprehensive insurance options for health, wellness, and beauty students, all at a student-friendly rate of just $55 a year! We believe that insurance should be accessible and affordable for student practitioners like you.
Included Member Benefits
But wait, there's more! With NACAMS, you get a bunch of extra perks that will make your journey even more rewarding. We'll set you up with a free professional website so you can start promoting your new venture right away.
Plus, our student insurance covers you not only during your school activities but also during in-clinic and outreach programs. It's like having a safety net supporting you every step of the way.
Additionally, your student coverage will last for a full 12 months after you sign up! We don't want to rush you; we want you to have the time you need to build your foundation and find your place in the industry. Only when a whole year has passed will you be required to upgrade to a professional liability policy.
Who Is Eligible For A Student Policy?
To be eligible for our student policy, you must be currently enrolled in an educational program or institution, specializing in one of our covered fields of study.
Our student policy is designed to align with the disciplines and methods covered in your certified educational coursework. This ensures that the coverage you receive is directly related to the skills you are learning and practicing. For instance, if your certification program includes training in hair cutting but not massage, our policy will not cover massage services. If you are studying multiple fields of practice, you will be covered for each specialization as long as it is included in your educational program.
Do You Qualify? Get Insured in Under 5 Minutes!
Frequently Asked Questions
In essence, student professional liability insurance helps safeguard students from potential financial and legal consequences that may arise if their actions or decisions during their training or practice result in harm, injury, or damages to a client, patient, or third party.
Yes, having liability insurance as a student practitioner can be beneficial and is highly recommended. It can protect you from field-specific risks, provide a financial safety net, and will grant you peace of mind.
Our student liability insurance plan can cover students in the following programs/fields:
- Personal Trainers
- Yoga Instructors
- Massage Therapists
- Hair Stylist Insurance
- Reiki Therapists
- Nail Technicians
- Pilates Instructors
- Dance Instructors
- Occupational Therapists
- Barre Instructors
- Physical Therapists
|Professional & General Liability: $2 million|
|Individual Annual Aggregate: $3 million|
|Rental Damage Insurance: $100,000|
|Occurrence Form Coverage|
|Stolen Equipment Insurance: $1,000|
|Identity Protection Plan|
*$250 deductible applies to Stolen Equipment Coverage.