Cosmetology Insurance Requirements For Connecticut Residents
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 500+ beauty and wellness services.
Live streaming and pre-recorded video covered
Safe and Secure Online Checkout
Occurrence-form for complete protection
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Cosmetology Insurance Cost in Connecticut?
With NACAMS, our policy options cost as low as $0.45 per day and can save you potentially hundreds of thousands of dollars if a lawsuit were to occur. Even the most experienced cosmetologist could be held liable if a client were to be injured during your services.
One of the top reasons professionals choose NACAMS as their professional liability insurance provider is because we cover dual practitioners offering services like hair cuts, facials, meditation and more for one low cost.
FULL time
1 Year
$179
Full time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first YTT. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their training, and that policy is good for the next 364 days, even if you are teaching full-time!
Professional Cosmetology Liability Insurance is an Investment Every Beauty Pro Should Make
If you are a practicing cosmetology professional in the state of Connecticut, having the appropriate liability insurance coverage is just as important as being able to consistently book clients. Cosmetology covers a wide range of services pertaining to the treatment of hair, skin, and nails, and one of the unfortunate realities of the cosmetology profession is that accidents can and do happen. The topic of insurance for cosmetologists in Connecticut is not always fun to discuss, but it is an absolute necessity in order to protect your livelihood from various lawsuits that may be brought against you by disgruntled clients.
In Connecticut, cosmetology services are offered in various settings, helping to increase client convenience and growth opportunities. With NACAMS, you're covered anywhere you offer your services including spas, beauty salons, and even at home.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like facials, hair color, chemical treatments, and more. We make it easy for dual practitioners.
Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and 40% off universal background screening.
Free Certificate of Insurance
Purchase online or over the phone and you are instantly insured. Download your free certificate of insurance (COI) directly in your member poral.
Access to the Health Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
Cosmetologists in Connecticut provide a range of beauty services to men and women, including hair styling, coloring and cutting hair, manicures, pedicures, beauty services, and more. In CT, you’ll need to complete 1500 hours and pass the cosmetology board exams and licensing exam to obtain your license.
While working as a cosmetologist in Connecticut can provide a decent income and a wonderful amount of career satisfaction, it is a career that has its own set of risks, just like any other profession that involves such close contact with clients. The fact that you rely on potentially dangerous electrical tools and equipment, as well as chemical products, does not help matters either, as it means you have an increased risk of causing accidents or damage. In order to minimize any risks to you and your professional practice, you need to take advantage of cosmetology insurance.
Even though there are clearly many benefits for clients receiving beauty services, there are also many risks in practicing cosmetology. A client may slip and fall inside your premises and become injured, or receive an injury while getting off your waxing table, for example; and you could find yourself liable for their medical bills and lost wages. Someone may develop an adverse reaction to a beauty product or treatment; or your beauty products or equipment may cause bodily injury. What happens if any of these eventualities occur? While you always do your best to make all of your clients look and feel their very best and would never intentionally do the wrong thing, if your operations or work causes an injury to a client, property damage, or aggravates a pre-existing condition, you could find yourself facing an expensive legal claim. Even a minor occurrence may cost you dearly.
Understanding Cosmetology Insurance In Connecticut
If you work as a cosmetologist in Connecticut and don’t have liability insurance, then you’re assuming a big risk. Just one lawsuit could devastate your finances, ruin your reputation, and put your career on the line. But, if you carry adequate insurance and are sued, your insurance carrier would cover legal fees, as well as any damages awarded against you and costs. Without insurance, you may have a large civil judgment placed against you as an individual and be responsible for the injured client’s or third-parties’ medical expenses, lost wages, and legal fees. Having a cosmetology policy protects you and your career against events that can’t be prevented. It provides liability protection for claims made against you by others for bodily injury, malpractice, property damage, and more, and typically includes general liability insurance, professional liability insurance, and products liability insurance. Whether you are an independent contractor, an employee of a local cosmetology establishment or national chain, or you travel to client’s homes, cosmetologist insurance is an essential investment that you can’t afford to ignore.
Stay Protected With An Occurrence-Form Policy
Occurrence Form (also known as Occurrence Based) is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect, even if your policy has expired.
Other providers sell Claims-made policies, where any claim filed after the policy expires will not be covered. No matter if you choose NACAM or not, definitely make sure your provider has "occurrence form" coverage.
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.7/5 (Excellent) on Truspilot. Read some of our reviews below!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James