Cosmetology Insurance Requirements For Delaware 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 Delaware?
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!
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
Cosmetology professionals that operate a business in the state of Delaware must be aware of the necessity of having professional liability insurance in order to protect themselves from the threat of lawsuits. In today’s litigious society, it is not uncommon for a small business owner to be sued by a client even when there is no substantial basis for the client’s claims. In order to protect your business from potentially adverse financial situations, it is imperative that you obtain adequate cosmetology insurance coverage. This will ensure that you can continue to operate your business even in the event of a legal claim being brought against you by a former client.The field of cosmetology is comprised of several different professions including hairdressers, nail technicians, estheticians, make-up artists, and barbers. After 1500 hours or 3000 apprenticeship hours and passing the state’s required board and licensing exams, you’ll be able to begin your career in the field.
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.
Our part-time policy covers you for 10 hours or less (the highest in the industry) and has the same coverage as the full-time policy. Also, save $78 by getting the 2-year cosmetology insurance policy.
Each aspect of cosmetology includes specific job-related risks, and although cosmetologists have received special training to conduct their jobs in a safe manner, the risk of having an accident always exists to some degree. For example, a hairdresser might accidentally leave a dying solution in a client’s hair too long during a hair coloring treatment, resulting in damage to the client’s scalp and hair. For an esthetician, there are risks related to various products that are typically used in his/her line of work. A client may experience an allergic reaction to a chemical skin peel, or another client may experience excessive skin damage from a bikini wax. Nail technicians face the risk of a client experiencing some type of infection from a nail treatment. No matter what particular line of work you may engage in as a professional cosmetologist, the risks of various job-related accidents are very real, and without any type of insurance in place to hedge against those risks, you could face a potentially catastrophic situation should something go wrong.
Although it is possible to enjoy a long career as a cosmetologist without any major incidents or accidents, the risks are simply too great to ignore or leave to chance. It is better to make a wise choice and obtain the appropriate insurance for your profession, so that you can alleviate the worry and stress that can come from these types of uncertainties.
Cosmetology insurance is generally designed to offer protection in two main categories: professional liability (also called “malpractice insurance”) and general liability (also called “slip and fall” insurance). Professional liability coverage protects you against lawsuits arising from clients who claim to have suffered injury due to an error or some type of negligence on your part. General liability deals with injuries or accidents that may have occurred at the place where you conduct your business, whether on-site in a rented space or in a client’s home. Examples of this could include an injury arising from a defective barber chair, or a client possibly slipping and falling due to a wrongly placed floor mat.
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