Cosmetology Liability Insurance
NACAMS represents America’s 600,000+ cosmetologists, providing professional tools, public education, cosmetologist liability insurance, and issue advocacy. With 25 years of trust in the health, wellness, and beauty industry, NACAMS’ licensed professionals are the best protected cosmetologists in the industry.
Protect Yourself Against Claims
The other two types of accident or injury that your cosmetology insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment. These aspects of your coverage are referred to as malpractice and product liability.
As an example, if you accidentally burned someone with a hot tool during her appointment, she may make a claim of malpractice, which means she believes the burn occurred due to a lack of skill or competence on your part as the cosmetologist. This is why cosmetologist insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
Why Cosmetology Insurance
As a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance. You strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.
In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include liability coverage. In fact, obtaining cosmetologist liability insurance may also be required by law.
The main reason insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality.
If you are wondering why you might need the safety net of cosmetology liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims.
Accident Lawsuits Coverage: General Liability Insurance
There are three main areas of accident or injury that your insurance program should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business.
For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses.
Professional Liability Insurance for Cosmetologists
One Year Rate
$159
Two Years Rate
$279.95
Save $48.05
NACAMS Professional Policy for Cosmetologists
EXTRA BENEFITS
Professional Liability Insurance for Cosmetologists
One Year Rate
$159
Two Years Rate
$279
Save $39
Why Cosmetology Insurance
Accident Lawsuits Coverage: General Liability Insurance
Protect Yourself Against Claims: Professional Liability Insurance
NACAMS Professional Policy for Cosmetologists
EXTRA BENEFITS

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Compare Cosmetology Insurance
Associated Hair Professionals |
Alternative Balance |
Health and Beauty Association (NAMT/ former IMA) |
||||||
Professional & General Liability Insurance |
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
✓ |
$1 Million Per Occurrence
$3 Million individual aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
Occurrence-Form Coverage | ✓ | Yes | ✘ | No | ✓ | Yes | ✓ | Yes |
Product Liability |
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
✘ |
$1 Million
|
✓ | $2 Million/ occurrence |
Rental Damage Coverage |
✘ |
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply |
✓ |
$300,000 |
✘ | $300,000 (Fire and Water only) | ✓ | $100,000 |
Stolen Equipment | ✘ | Optional—Add $95 | ✘ | No | ✘ | No | ✓ | $1,000 *$250 deductible |
Required CE hours |
✓ |
No |
✓ |
No |
✓ | No | ✓ | No Hours Required for Insurance |
Hour Qualification |
✓ |
No |
✓ |
No |
✘ | Yes (100 hours) | ✓ | No Hours Required for Insurance |
Identity Protection Plan | ✘ | No | ✘ | No | ✘ | No | ✓ | $25,000 |
Annual Fee |
$199/yr |
$249/yr |
$199/yr |
$159/yr Professional
$25 first year Student |
||||
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by Nacams as to the accuracy or completeness of this information. Date that we confirmed this information 2/6/18 | BUY NOW > |
AHP?Associated Hair Professionals | SSPTA?Alternative Balance | HBA?Health and Beauty Association (NAMT/ former IMA) | NACAMS | ||
Professional & General Liability Insurance | ✓ | ✓ | ✓ | ✓ | |
Occurence- Form Coverage | ✓ | ✘ | ✓ | ✓ | |
Product Liability | ✓ | ✓ | ✘ | ✓ | |
Rental Damage Coverage | ✘ | ✓ | ✘ | ✓ | |
Stolen Equipment | ✘ | ✘ | ✘ | ✓ | |
Required CE hours | ✓ | ✓ | ✓ | ✓ | |
Hour Qualification | ✓ | ✓ | ✘ | ✓ | |
Identity Protection Plan | ✘ | ✘ | ✘ | ✓ | |
Annual Fee | $199 | $249 | $199 | $159 | |
BUY NOW > |
Cosmetology Services Covered by NACAMS
- Hair Styling
- Skin care
- Nail Care
Get Professional Liability Insurance with NACAMS
Cosmetologist State Requirements
To become a licensed or certified cosmetologist, one thing is clear: you need to receive an education in cosmetology. However, the type of education you need to receive may differ depending on your current state of residence. While most states will require you to attend an approved beauty school, others will allow you to complete an apprenticeship instead. In addition to training requirements, you also need to be aware of state specific guidelines on continuing education units (CEUs), license renewal periods and fees, license reciprocity or transfer, etc.
Find out if there are any special guidelines that you need to be aware of as you build your career.