This all depends on the program you choose to go with. If you offer several different services, like most cosmetologists do, some insurance programs will charge you additional fees to have these covered. Also, be on the lookout for membership fees or even a premium for the state in which you reside - some programs will add these costs in as well. Our program keeps it simple with one low annual rate for members. 

With our cosmetology liability insurance program, members enjoy a host of benefits and coverage for a host of different services and techniques, all for the low price of $159 annually. Our benefits program alone is worth hundreds of dollars making the robust coverage options a huge cherry on top of an affordable, accessible, and effective insurance program for cosmetologists.

Simply put, you really need a cosmetologist insurance program that was specifically designed for cosmetologists. There are some programs out there offering a one size fits all for insurance, but unfortunately not understanding the nuances of the beauty industry can leave a program woefully lacking in its effectiveness. As a hard-working professional, your cosmetologist insurance coverage should provide you with three key benefits: 

1. Cosmetologist insurance should cover you adequately in the event of a loss event.

Your cosmetologist insurance should provide good limits for the most common liabilities in this business - professional and general liability - but also should provide some protection against other liabilities such as product liability. We take protection for professionals seriously so also include “real-life” coverage mechanisms like rental damage coverage, stolen equipment coverage, and even an identity protection plan. 

2. Cosmetologist insurance should be easily accessible, especially when you need to use your coverage.

An unforeseen event, by definition, is not one you plan for. No cosmetologist begins a session expecting an injury to the client to occur, and yet, professionals every day face events like this. Without insurance, you can be left shouldering the entirety of the financial burden. But what good is great insurance if it is hard to use? Whenever you need us, our program administrators are ready to help.

3. Cosmetologist insurance should provide a return for the investment you make.

We know the business of cosmetology is tough. Helping clients look and feel their best is some of the best advertising for your unique services. Protecting that, cosmetology insurance provides you and your business with a buffer from an unfortunate event costing you big dollars out of pocket. Going beyond that, the best cosmetology insurance program should provide a host of benefits and additional protections all included with their plan. This helps you maximize the investment dollars you have made so you can put more into growing your client base and giving great sessions.

Our cosmetology insurance program is an individual insurance plan. We cover individual, duly-licensed cosmetology professionals and also students enrolled in an accredited cosmetology school. With an individual cosmetology insurance plan, all of the plan’s limits apply to you alone. This is especially advantageous when you actually have to use the policy. 

Some programs have shared limits, meaning that others’ claims will decrease the total amount available to the other members of the group when they need to file their own claims. This is obviously less than ideal, so the $2 million per occurrence and $3 million annual aggregate included for general and professional liability claims with our cosmetology liability insurance plan are 100% yours and yours alone.

For only $25 for a year of coverage, our students only plan is a really affordable way to get the same level of coverage as that which we offer to professional cosmetologists. In school, you will be practicing the same techniques you will be employing in your practice and accidents can unfortunately still occur that could leave you liable for paying claim expenses. 

With our plan, for just $25 you get a full year of carefree coverage plus a load of awesome benefits. Some students covered under our student plan have chosen to wait until they are almost graduated from school before they get insured through NACAMS. It's a smart move as then most of your first year on the job while you are still learning is covered under an exceptional insurance program for only $25.

Every state/local jurisdiction has its own unique requirements for cosmetology licensing. However, most states do not make it a requirement to have cosmetology insurance before you are able to get licensed. But getting licensed and then jumping right into offering services without insurance is a very risky move for both your personal financial situation, as well as your ability to keep offering services to paying customers. Just one claim against you - a slip on your welcome rug, a hair dye gone wrong, a bad allergic reaction, etc., etc. - can result in a demand for you to pay the injured parties’ expenses. Sometimes this requires legal defense, which can be very costly. 

Most of us will do a little research before making a purchase, especially online. The same should go for choosing the best cosmetology insurance program. Always check out the program’s carriers. Insurance rating standbys like A.M. Best will rate good companies with an “A-rating” or better. We are proud to be underwritten by carriers with strong A-Excellent ratings by A.M. Best. 

Everybody likes free! Our truly stout insurance program comes with a host of additional benefits so members get the most out of their decision to partner with us. Included at no extra charge are extra protections like rental damage coverage, stolen equipment coverage, and an identity protection plan. Extra, extra benefits also include a free professional website to grow your online presence, great deals and discounts from our partners, free business resources, access to curated content, and more.

That is affirmative. We cannot cover services you are not legally allowed to perform. You will need to take the appropriate steps in your state and within your local jurisdiction to obtain a license before you will be able to secure cosmetology liability insurance. 

Absolutely! A really convenient aspect of our cosmetology professional liability insurance is called portability. This means that the coverage follows you no matter where you go. Within all 50 U.S. states, you can move jobs, move cities, move states, and nothing changes with your coverage. Do note, however, you may have to jump through a few hoops with your new state board in order to transfer your license. Some states have higher education requirements than others so this may entail you taking a few extra classes or even retaking your tests in a new format. 

Best course is to start planning early. When you know you are transferring to a new state, make sure you understand everything required to get licensed in the new location. Remember, even with full portability of coverage, we cannot cover any services that you are not legally allowed to perform.

Trade shows are a great way to network, see and test new products and services, and for you to showcase your unique talents. If you are providing services at a tradeshow, even if it is only as a demo, you should always secure insurance before the event. Some events will even require that you provide proof of insurance in order to be a presenter. Good thing you can secure coverage in minutes with instant proof of insurance with NACAMS cosmetology insurance!

Cosmetologists have to be masters of many different styles affecting a client's overall beauty plan. Being able to provide several different services keeps you competitive but some insurance programs will limit covered services to a select few. We went a different route so you can be free to offer just about any combination of different beauty and wellness services you deem necessary and still enjoy great coverage from NACAMS. We cover literally hundreds of different health and beauty services all under our plan, for one low rate.

Definitely! Makeup is a vital tool for cosmetologists so we include a provision just for this within our tailored cosmetology insurance program. Stolen equipment is covered all the way up to $1,000 with a $250 deductible.